davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On Saturday, XX/XX/XXXX, around XXXX I began a conversation on XXXX with a " XXXX XXXX '' regarding two tickets for an XXXX XXXX concert. He offered the tickets on XXXX by stating he had planned on making it and can no longer. He said he would send me the tickets at soon as I sent him money on Paypal. After asking several questions, I paid {$92.00} to him and {$4.00} at XXXX on XX/XX/XXXX to Paypal to complete the transaction. He asked for a screenshot of the purchase which I sent and told me he will wait until XXXX the next day until he sends me the tickets to make sure the money goes through and at XXXX the next day, he blocked messages from me. I never received any tickets nor messages from him after that.
Consumer complaint received 2019-06-10
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. (GA)

Ive sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reponse. Also, Ive made contact with Experian multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation.
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I HAVE CONTACTED MIDLAND CREDIT MANAGEMENT TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF $ XXXX ACCOUNT ORIGINAL CREDITOR WAS XXXX, XXXXTHE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.
Consumer complaint received 2019-06-10
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: Colony Brands, Inc. (PA)

XXXX continues to list a debt from XXXX XXXX a company I have never purchased a XXXX thing from, of which they could never verify a signature of purchase for anything, the debt is from a phone order of which I never had as a phone number associated with, they have had this junk on my file for 4 years, I have attempted to get it removed several times, outside of the court system which I contacted attorney generals office over, and they are now investigating, I have had no relief ... my signature was never verified nor proven ... they are liars who made a mistake
Consumer complaint received 2018-06-07
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: Rocket Mortgage, LLC (CO)

XX/XX/2018 - Quicken Loans called me after I was researching on their site. We started talking, then when it came to the credit information I told them not to pull my credit and I am going to wait about 6 months. As soon as I got off the phone I got a notification that my report was pulled from all 3 agencies.
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (SC)

I received an alert that my credit files had been flagged/updated by Choice Recovery Inc. , on XX/XX/2022 for {$470.00}. Choice Recovery IncXXXX, are debt collectors demanding a debt on behalf of XXXX XXXX XXXX. I have not received any goods or services from Choice Recovery Inc., and I do not know how Choice Recovery Inc., received my private medical information. Choice Recovery Inc., does not have a permissible purpose to contact me for any reason in regards to any alleged debts. There are no contracts in place to support that we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Choice Recovery Inc. , My HIPPA rights have been violated. 
I am not a party to any agreements that Choice Recovery Inc., may or may not have with XXXX XXXX XXXX. I am not responsible for Choice Recovery Incs purchase / transfer. 
Choice Recovery Incs reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. ( I will upload all proof ) Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Choice Recovery Inc., or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Consumer complaint received 2023-02-24
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX  : {$650.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A. (FL)

I HAVE CONTACTED XXXX XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF $ XXXX.THIS ACCOUNT ORIGINAL CREDITOR WAS CITIBANK, N.A.THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES.  PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.
Consumer complaint received 2021-11-10
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. (TX)

CREDIT ONE BANK Reported : XXXX XXXX, XXXX {$710.00} Closed Overview You're currently using 75 % of your account 's limit. 

Balance {$710.00} Credit limit $ 950 Monthly payment {$36.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 92 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX A XXXX XXXX XXXX A XXXX O XXXX D XXXX XXXX XXXX XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$200.00} Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Times 30/60/90 days late XXXX Closed XXXX. XXXX, XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Consumer complaint received 2019-06-10
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. (PA)

I submitted a court decision document that released me of any debt to a creditor that I closed a account on due to fraudulent activity, and charges ... XXXX, XXXX XXXX XXXX ... they closed it in XXXX, then reported it as a charge off in XXXX, I had it removed off credit bureaus only to see a new amount listed again in XXXX XXXX ... they are engaging in erroneous info and fraud
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I HAVE CONTACTED MIDLAND CREDIT MANAGEMENT TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF $ XXXXTHIS ACCOUNT ORIGINAL CREDITOR WAS XXXX, XXXXTHE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.
Consumer complaint received 2019-06-10
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. (GA)

Ive sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reposnse. Also, Ive made contact with Transunion multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation. 

This is becoming a very stressful situation to me and my family with inaccurate information being reported on my credit report. I hope this matter can be resolved.
Consumer complaint received 2019-06-10
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)

A late payment shows on my credit report with XXXX XXXX. The error was XXXX   fault and I have a letter from them stating the same. Upon showing this letter to the credit reporting agencies, nothing has been corrected. The correction has held me back from refinancing as well as other damages. 
Another item was also the error of the creditor The statement was mailed to the wrong address. This also caused a late payment which is not accurate.
Consumer complaint received 2019-06-10
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)

A late payment shows on my credit report with XXXX mortgage. The error was XXXX fault and I have a letter from them stating the same. Upon showing this letter to the credit reporting agencies, nothing has been corrected. The correction has held me back from refinancing as well as other damages. 
Another item was also the error of the creditor The statement was mailed to the wrong address. This also caused a late payment which is not accurate.
Consumer complaint received 2019-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (CA)

I went to XXXX XXXX  XXXX XXXX  hospital and XXXX California on XX/XX/2019. I have XXXX medical insurance but I still received a bill for {$920.00}. XXXX covers all of my medical expenses and the bill shouldve been applied to my XXXX insurance. Can you please help me.
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Equifax and XXXX is reporting the wrong XXXX credit card account number on my credit report. The XXXX XXXX XXXX account number ending in : XXXX is incorrect. My XXXX XXXX credit card account with a credit limit of {$12000.00} is not being reported correctly on my credit report. The wrong XXXX XXXX XXXX XXXX credit card account is being reported on my Equifax and XXXX credit report.
Consumer complaint received 2020-09-18
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. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I filed a complaint about harassing phone calls, bullying, calls at night and the attitude of the representatives who have contacted me when I've been close to the end of my forbearance period. I AM NOT IN DEFAULT AND HAVE NEVER EVEN ONCE DEFAULTED ON A LOAN PAYMENT. I filed a complaint about the harassing phone calls and apparently YOU, CFB, closed the complaint upon receiving WFargo 's response stating it had no record of my mortgage. Here is what ACTUALLY happened : 1. Wells Fargo send a letter to me stating it knew of the complaint. It sent to my mailing address and instead of taking the time to actually see that my mailing address is AND HAS ALWAYS BEEN different than my resident and property address, it simply pretended that it did not know this therefore affording them the excuse of 'gosh golly gee ... we have no record of a mortgage holder at <insert mailing address> ... '' 2. Wells Fargo provided a FAX # to which I was invited to send a response clarifying the property address. HOW CONVENIENT that said fax # failed to answer all weekend AND DURING STATED BUSINESS HOURS. The phone number of the individual listed in the letter ( along with the claimed hours of business ) also went unanswered. 

Reminder : Wells Fargo has a HISTORY of abusive and harassing behavior towards customers. Those of us who lived through several housing crises and have been on the planet for longer than 25 years remember it well. This is a tactic used to offset and justify its unacceptable behavior. 

FACT REMAINS that I have not defaulted EVER on my mortgage loan and am in forbearance and have adhered to every single term of the contract therefore the badgering, bullying, harassing phone calls and attitude of WF callers is completely unreasonable ... and frankly, would be unreasonable and uncalled for even were I in default. 

Lastly, NOBODY gets to dictate and name my 'feelings ' so please do not start with me on how my 'feelings ' are incorrect. Calling me on a Friday night to badger me about a payment not yet due or calling me on the weekend for such ( especially Saturday mornings during the hour when people of my faith are in prayer ) is absolutely unacceptable and are examples of harassment. 

Failing to provide an actual way to respond to the letters stating 'we have no evidence of such a mortgage holder ' is NOT A REASON TO CLOSE THIS CASE. This is deflection and frankly, straight up lying. 

I did my part in attempting to respond to their letters. They cleverly made response impossible by simply refusing to accept faxes via the fax # they provide for doing so and they very cleverly fail to pick up the phone during the hours and days they state they are available. 

There's a reason people hate Wells Fargo and it's not just past history ; it's current history too now.
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Credit card company double charged for a product I purchased with the card. The purchase was made XX/XX/XXXX for {$640.00} and the same charge was duplicated on XX/XX/XXXX. I disputed the duplicate charge and the company continues to demand that I pay for the product twice. I contacted the company where I made the purchase and they claim they haven't been payed yet.
Consumer complaint received 2019-06-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

Navient will not allow deferment or forbearance on a private loan even though the federal loans are recognizing XXXX XXXX is a fraudulent school and billing has stopped. Im still required to pay on my private loans despite them acknowledging that fact
Consumer complaint received 2017-12-18
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. (NY)

XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks Consumer disputes this account information
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (UT)

On XX/XX/2021 TSI ( Transworld Systems Inc. ) called me in regard to an alleged medical debt. I asked the representative to identify themselves and who TSI is. They refused unless I verified my own name. They did not notify me they were attempting to collect a debt. All they told me was that they are " TSI ''. They never mailed me any information about the debt. They did not give me any information about the debt. When I asked again what TSI is, they hung up. 

They use overseas call centers to collect unsupported debts from hardworking Americans. On top of this, they add insult to injury by being rude.
Consumer complaint received 2021-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OK)

On XX/XX/XXXX I called Synchrony Bank for a different matter than what this complaint is about. I spoke to XXXX at XXXX. I found out that my XXXX account was written off to fraud in XXXX. XXXX stated that I did not owe this debt since they wrote it off. He told me to call XXXX XXXX XXXX and to have them remove the debt off of my credit reports that has been reporting since XX/XX/XXXX. I told him that as of two months ago I was still receiving notices to pay and that I owe them this debt. He stated that the debt is not owed. In XX/XX/XXXX XXXX XXXX XXXX attempted to sue me in my local court system. He said it was written off before then. As of the date of the write off to fraud, XXXX XXXX XXXX has continued to break the FDCPA and my rights under federal law. They have caused me great financial harm. I have contested this debt several times through the credit bureaus with no relief. XXXX XXXX XXXX continue to tell the credit bureaus this is a valid debt, which it is not.
Consumer complaint received 2019-06-09
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. (CA)

Upon checking my credit report for updates, I found 6 accounts that were listed as in dispute by consumer. The previous report weeks before did not show this. The accounts listed in dispute were NEVER disputed. The accounts are also duplicate accounts. 
I have disputed other errors on other accounts but NEVER these listed accounts. The accounts in error are XXXX XXXX/XXXX duplicate reporting XXXX Never disputed and always in " Good Standing ''. XXXX XXXX XXXX XXXX Same as above. XXXX XXXX XXXX Never disputed Always in good standing. These accounts are also beyond the legal statute for reporting. 

Last month these accounts reported positive! 
I have started the legal process seeking damages.
Consumer complaint received 2019-06-09
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. (CA)

Upon checking my credit report for updates, I found 6 accounts that were listed as in dispute by consumer. The previous report weeks before did not show this. The accounts listed in dispute were NEVER disputed. The accounts are also duplicate accounts. 
I have disputed other errors on other accounts but NEVER these listed accounts. The accounts in error are XXXX XXXX duplicate reporting XXXX Never disputed and always in " Good Standing ''. XXXX XXXX XXXX  XXXX Same as above. XXXX XXXX XXXX Never disputed Always in good standing. These accounts are also beyond the legal statute for reporting. 

Last month these accounts reported positive! 
I have started the legal process seeking damages.