davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

Syncrony bank was one of my accounts.

Ill start from beginning when they gave me this card my fica score was prolly low ok Ive been rebuilding my credit but in my opinion its unfair anyway I have credit cards with low limits that can be used in one time and then it puts one credit usage high abs lowers the score my score would go to XXXX etc then back down to XXXX etc and I feel that unfair but thats not what Im complaining about, what Im Complaining about is Syncrony bank gave me a account and I paid that account on time every month for yr or so then they closed my account shut my online statements off where I couldnt get online to pay or see what to pay they never sent a statement out until somewhere around three or four months I can prove through cause I have XXXX app there are pictures of my mail daily ok then they reported me over 39 days then over 60 days and so fourth and ruined my credit I actually am not ever worring bout the unfair credit system but they got me XXXX something dollars where my limit was only a XXXX dollars owed Im needing some help with this because I feel that Im not the only one they did this to my if they think that I believe they dont have people with lower scores than I have especially with the last yr of pandemic where people arent even working etc I dont believe that but This needs to be investigated.
Consumer complaint received 2017-01-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC (OH)

I was checking my credit report and Ability Recovery Services placed XXXX collections on my account which was supposed to be paid by the insurance company and for which I never received a notice or bill for. When I contacted Ability Recovery Services and asked for a copy of the debt they sent me a XXXX letter and not a copy of the bill from the original creditor which is what I asked for.I again asked for verification since the original creditor had no record of the debt instead of a copy of the bill from the original creditor I received a letter from Ability Recovery Services which had no letterhead and a word document about the debt.The bill was covered under medicaid/ caresource but the companies refused to resubmit it and caresource has no record of it being submitted.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-06-13
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. (TX)

This item is my mortgage account with XXXX XXXX XXXX or XXXX XXXX XXXX. My credit report is showing an open date of XX/XX/XXXX when it should show XX/XX/XXXX Highest Balance is showing XXXX when it should show XXXX. I am requesting the updated information be made.
Consumer complaint received 2018-02-02
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. (MN)

My information has been breached by the XXXX breach, Target information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted TransUnion via Certified Mail on XX/XX/2017 and got no response back. A representative of TransUnion signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the police report and FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rauch-Milliken International, Inc. (MO)

XXXX XXXX offers you deals on combos helping with your advertise on line what they don't tell you is that their costume account representatives are very poorly trained and do not ever and i mean ever get back to you for resolutions I wanted to cancel cause their services online are very poorly managed but they would not give me a cancellation they literary make you force you to keep the membership by not getting back to you so you have to keep paying for the services I called and told them various times that I could not afford their fees they responded by telling me someone would they never did and than they would brush it to the side while they keep adding more debt to my account that i have ask over and over and over to cancel now they hire a firm to threat me by saying that if i do not pay they will cease my house my garnishments and take money out my account it is not fair hat as a client they did not tried to work with me but they are really good at taking advantage of small business like me and collecting what they never really performed well at all.I know I not the only business that feels this way they were horrible on keeping my XXXX XXXX  updated and i never ever got reports on the so called website they keep charging XXXX dollars a month plus they charge me XXXX for their so called search engine services. XXXX XXXX has been around for years but when it come to internet services they have very poor work ethics and no common sense or experience i feel very empathetic to the people that work in their company that are good people they get a bad review because of the way XXXX XXXX internet services are manage.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (FL)

What are you people doing? You sent me a notice saying you had a company response then you don't allow for me to read it. Complaint number XXXX. I have explained for 2 months these are not my purchases. I finally got the account closed. Now I was just notified by XXXX XXXX that they have reported me for being 30 day late on the account. This is a fraudulent billing and I have indicated I will not pay it, Ever. I need your help, not just a notification to the company. How do I stop this nonsense without you intervention?
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX, I sent you a letter via certified mail ( XXXX ) requesting debt validation for the referenced account. You responded on XX/XX/XXXX with a bill from a creditor. On XX/XX/XXXX, I sent you another letter via certified mail ( XXXX ), rejecting your response because a simple bill is NOT considered a " validation of debt '' by any means. Furthermore, this was unsatisfactory as proof that a debt is owed according to Texas Finance Code Section 392.202 and the CFPB 's standard. 

The letter mailed on XX/XX/XXXX again attempts to validate this debt and extends additional time for your company to comply with federal and state law. As of this date, I have yet to receive a response. This account is still reporting and has yet to be validated, even after a consumer request. 

Not only has this account not been validated, but it also contains numerous errors. When you received the two notices that this account was disputed, an investigation should have been conducted, per FDCPA and FCRA guidelines, and these inaccuracies should have been corrected. Because these inaccuracies remain, it shows that a proper validation was never conducted. 

This account has a last activity date of XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX. If this one account was updated, then it should be the same for all credit reporting agencies. What I found to be very concerning is your reporting to XXXX, which reports an Account Open Date of XX/XX/XXXX but has the last activity BEFORE the account was even opened. This is an egregious inaccuracy. Next, the account shows as open on XXXX and XXXX but closed on XXXX. If this is the same account, how can that be? 

Lastly, this account is a charge-off account and is reported as a collection by your company. Since then, this account has been reported as a charge-off every month, creating a payment history. This is an update in the payment history, which, to my understanding, collection accounts should NOT include an active payment history. This very action falsely manipulates the statute of limitations. 

This erroneous account contains numerous inaccuracies and has yet to be validated even after being requested twice. The company 's actions can only be deemed willful as they failed to correct or remove this account.
Consumer complaint received 2021-02-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (FL)

on XXXX XXXX, 2020 I lost my job affected for covid 19 pandemic, I been paying this loan for 3 years alreday, never late and never miss a payment.I tried to make arragements with them but is imposible, I understand is not they obligation but we are leaving with a pandemic and is somenthing no body expect it. I have been working for 18 years and I lost my job. I send them emails, and make several phone calls but they denied support me on this situation. they reported to credit bureau damage my excelent credit and my account is charge off damage my cretit worse. I appreciated any support on this. LendingClub dont apreciated there clients on this pandemic, they send letter and advice to call for help but when you call they say you need to pay what is behing plus late fees and amount is going up every month.I email them but they never answer back.
Consumer complaint received 2020-07-14
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. (LA)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX-DSP-XXXX-VER-XXXX {$0.00}
Consumer complaint received 2018-06-13
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: Midwest Recovery Systems (TX)

The collection agencies that I've listed below are reporting old debts. They are re-aging them and placing them on my credit report. It is my understanding that this is illegal for someone / company to re-age a debt that is greater than 7 years plus the statue of limitation in the State of XXXX is 4 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Debtor : XXXX XXXX XXXX Original Creditor : XXXX XXXX University Amount : {$160.00} Date incurred : XX/XX/XXXX Midwest Recovery Systems XXXX Original Creditor Name : XXXX Type : Payday loan Debtor : XXXX XXXX XXXX : {$700.00} Date Incurred : XX/XX/XXXX
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (VA)

In 2014 I was unable to make timely payments on my XXXX XXXX account which was serviced by Citibank. The account was referred to collections and charged off. I hadn't been able to make suitable arrangements and each month the account updated as being paid late although no payments were expected since the account had been charged off. 4 years later I received a XXXX indicating the debt has been cancelled. I had not been contacted for any collection activity on the account in 3 years. The account is now handled by XXXX XXXX XXXX XXXX. Since this account was originally charged off, how is it now considered forgiven debt when the original creditor wrote the debt off as bad debt already?
Consumer complaint received 2019-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (MI)

Two days ago, on XX/XX/2019, I received a letter from FBCS, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ( XXXX ) requesting a payment of {$430.00}. Their letter stated that my account had been refered to them by a medical office where I receive treatment. They stated that my failure to remit the payment would result in further collection attempts. 

I have verified, with the medical office named in the letter, that I do not owe, and have never owed, this amount and that they have never referred any of my information to FBCS. The medical office requested, and has received, a copy of the FBCS letter for their efforts and records. 

Though this FBCS company has my address and my medical office name correct, it miss spelled my last name as XXXX and does not offer the address of my medical office. If they truly had documentation from my medical office, they would have this information.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

XXXX XXXX, XXXX, XXXX and Shellpoint Mortgage Service. According to my credit report, I was reported as being 30 days late on my mortgage payment in XXXX of 2023. However, I have evidence to prove that this information is inaccurate. 
Despite making timely payments, their erroneous reporting has resulted in unjustified damage to my credit score. 
I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the Bureau to hold XXXX XXXX, XXXX, XXXX and accountable for their failure to adhere to fair credit reporting practices. 
Please inform me of the steps you will take to address these complaints and the expected timeline for resolution. 
Thank you for your attention to this matter.
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (TX)

I have previously let the company and credit reporting agencies know that this account was the result of identity theft. I submitted supporting documentation to them both. I also blocked payments from my accounts of unauthorized charges. I still keep getting the same response they havent even tried to discuss this with me. The jus keep sending collections letters to my house and put this account on my credit damaging it.
Consumer complaint received 2018-06-12
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: Exeter Finance, LLC. (NY)

I do not drive. 
Own a car. 
I have an identical twin sister, who purchased a car. The following companies have performed hard inquires on my credit report. Our social security number is very similar. However XXXX continues fail with resolution. When I contact these company they claim they do not have record of my account. And can not do anything further and its XXXX fault.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Creditors Bureau Associates (SC)

I sent a letter to XXXX, XXXX, and XXXX disputing items on my report that need to be removed. I asked for them to update my personal information ( name, address, job, and no phone number ). I asked for the original contract ( my wet signature on it ), creditor information ( name, address, and phone of the original owner ), payment history and itemized billing of the account, and proof of ownership ( proof of authorization of ownership ) for other items listed on my report. I asked for a copy of my updated credit report. I have not received any of this information from anyone. I have not even received an update copy of my report. I would like for you to look into what is going on with my credit report. I sent the letters XX/XX/2022 and now, it is XX/XX/2022. I still have not heard anything from the credit bureaus. There is at least one that is reported on my credit report twice. The information is also different on each report. There is one derogatory mark on XXXX, XXXX on XXXX, and XXXX on XXXX. The companies names are Creditor Bureau Associate, and XXXXXXXX XXXX XXXXXXXX. I have never received any bills from these companies nor have I ever heard of any of these companies. XXXX 's Account # XXXX, and XXXX. There are no account numbers for XXXX or XXXX for the XXXX XXXX XXXXXXXX or Creditor Bureau Associate accounts.
Consumer complaint received 2021-04-23
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: National Credit Adjusters, LLC (TX)

These accounts were sold. According to my findings, I am no longer liable for the supposed debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!
Consumer complaint received 2020-07-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I had an unpaid balance. They keep calling me and my family members threatening to they are going to sue me, the police is going to my house and they they're going to call my employer speak with my supervisor and garnish my wages.
Consumer complaint received 2020-07-14
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. (LA)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX-DSPXXXXVER-XXXX {$0.00}
Consumer complaint received 2021-04-23
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-05-15
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: The Phoenix Recovery Group (TX)

Phoenix Recovery Group is still reporting incorrectly to XXXX  and XXXX. The collection company had agreed to delete these line items in XXXX, 2019 four months ago - however this is still appearing on my credit report. ( Please see page 12 of the attached credit report. ) This incorrect reporting is harming my credit score.
Consumer complaint received 2018-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

The company CMRE FINANCIAL SERVICES , INC was contacted to resolve the matter but company refused to stop recording the conversation after being asked several times. They will not disclose information to a third party that is okay with being recorded to resolve matter. The medical bill was covered by XXXX XXXX hospital as a financial assistance program. This was sent to collections by XXXX XXXX XXXX XXXX XXXX accidentally this should have never been sent to collections according to XXXX. XXXX   informed me that once the hospital covers the bill they drop all charges, but XXXX never informed them of the assistance. I tried to inform the collection company of this several different times. Company is very unprofessional and is trying to violate my personal right to not be recorded.