davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank (MD)

This account was closed last year. I sent a letter and money order to CEO, for account deletion. On XX/XX/XXXX I pulled my credit report and saw that I had a balance left with XXXX XXXX XXXX in the amount of {$160.00} which was what reflected on my credit report. On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with XXXX whom informed me that any correspondence would need to go to the Office of Compliance at XXXX. XXXX XXXX, XXXX XXXX, TN with attention to the Office of the CEO. I wrote a three paged letter explaining the reasoning as to why I fell behind, and asked that if the account was paid in full according to what is being reported with the credit bureaus that the account be deleted from all three burueas. I also wrote directly on the money order number XXXX that in cashing this money order you consider this account paid in full and agree to remove the account from all three credit bureaus ( XXXX, XXXX, XXXX ). As of today XX/XX/XXXX I contacted First Progress as to the status of the agreement and was informed by XXXX and XXXX XXXX that my payment was accepted and processed on XX/XX/XXXX. However, the company did not remove the account and on XX/XX/XXXX at XXXX XXXX reported the account to my credit as negative, with a XXXX balance. I am requesting that the company comply with the agreement that was set forth in the letter and on the money order that they processed and delete the accounts.
Consumer complaint received 2017-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (AL)

On XX/XX/XXXX I settled in full an account with Diversified for the XXXX XXXX XXXX collection # XXXX.Attached you will see a letter confirming this. Recently I was alerted by my mortgage company that I have a new collection from Diversified opened in XX/XX/XXXX for XXXX XXXX XXXX for almost the exact same amount. In reviewing the report, it appears the last date of activity on the first collection was in XX/XX/XXXX and then the new one was opened in XX/XX/XXXX as well.I do not understand why they opened a new collection account for a collection that was just paid.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

On XXXX XXXX, XXXX I made a purchase for {$61.00}. XXXX at an XXXX XXXX XXXX store at the mall near my home in XXXX FL XXXX XXXX XXXX XXXX. The sales person asked if I wanted to open a XXXX Credit Card and I said that I did not because I travel a lot and have a hard time keeping up with small amounts on credit cards and instead preferred to put everything on my XXXX and auto pay through my bank. She persisted however and even misrepresented that if I opened the account I would still be able to apply the charge to XXXX card which turned out not to be the case. XXXX days later I paid {$32.00} towards the {$61.00} which gave me a balance of {$29.00}. I was then late with next month 's balance because I was traveling and received a late fee and minimum charge ( whatever that is ) they reversed the late fee but not the min fees although they did give me a credit of {$.00} on finance charges which I had not been charged which was a bit confusing. I paid the new balance of {$31.00} and somehow ended up with a balance due of {$.00}. So with a balance due of XXXX cents they continued to charge late fees and minimum charges and finance fees until I ended up with a balance of {$56.00}. Honestly, I had not given the account another thought because in my mind it had been paid because when they said they would reverse the last set of late fees ( that had been added to a XXXX cent balance ) I was unaware that they would only reverse XXXX cents of a XXXX dollar minimum fee charge. When I called to settle the confusion, they refused to do anything about it and threatened me with continued late fees and interest if I did n't pay it. I was angry and demanded they close my account and subsequently wrote a check for {$56.00} and mailed it along with a letter to the president of the company, XXXX XXXX XXXX explaining the abusiveness of his credit arm XXXX XXXX. I have n't received a response but did get another call from XXXX XXXX today from an abusive rep who announced that my new balance is {$89.00} XXXX keep in mind this is on a XXXX cent balance ) and kept putting words in my mouth like " I am noting that you refuse to resolve this ''. I am attaching the print out of my account activity in support of the way this account has been handled as well as the XXXX spreadsheet I did to show the current balance after each transaction. I have also include my letter to XXXX XXXX, president and CEO of XXXX XXXX. I do not know what the law is but it can not be in support of this kind of abuse towards consumers and I appeal to you for some kind of help in resolving this. I have an excellent credit standing and pay my bills but refuse to be a victim of such practices. Thank you in advance. Please do n't hesitate to contact me if there is anything else you might need from me. XXXX XXXX, XXXXXXXXXXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bridge IT, Inc. (GA)

BRIGIT / XXXX XXXX XXXX Note Loan is stating that they gave me a loan that I didn't payback or paid back late. BRIGHT/ XXXX XXXX is a credit builder account they don't not offer traditional loans instead the money that you put into account is held for you for a certain time period and reported as paid on time and could be canceled at any time. 
I never received money/ funds from BRIGIT/ XXXX XXXX i never got a loan from Brigit in any way and they are reporting negative late payments on my credit report which is un true misleading and harmful to me obtaining credit
Consumer complaint received 2021-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (VT)

In XXXX of this year, I started receiving phone calls from One Advantage about a medical debt from XXXX XXXX in XXXX, VT. That debt was given to One Advantage because of some billing mistake on XXXX XXXX part, but even with the billing error, OneAdvantage was attempting to collect the entire bill including what had already been paid by insurance. 

After many phone calls and diligent effort by XXXX XXXX billing department, the mistake was discovered and One Advantage was notified.

Now, 5 months later in XXXX, One Advantage is attempting to collect the same debt again. I have called both XXXX and spoken One Advantage, but I am not interested in entering a medical debt collection cycle so I am submitting this CFPB complaint in hopes that these multiple " errors, '' all of which coincidentally favor OneAdvantage, can be corrected once and for all.
Consumer complaint received 2021-02-03
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 like to file a dispute for an unidentified item on my credit report for the following : XXXX XXXX for {$65.00}. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. I have reached out to this company to no avail requesting information about this account and they can not give me anything. Please review and remove this fraudulent item from my credit report immediately please.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon trying to rebuild credit, I received an updated credit report in XXXX XXXX 2017, that reflected an account charged off/closed from XXXX XXXX XXXX on my file. This was shocking news, and explained what was hurting my credit. I never applied for anything with this company. When sending requests directly to XXXX XXXX XXXX, for verification and validation of debt bearing my signature, per my right under the FDCPA Section 809 ( a ) and ( b ), this company refuses to provide and just send letters stating " refer to your credit card agreement ''. ( Which I have record of ). What was even more shocking is the fraudulent account they are reporting is in my maiden name. Which I have not applied for anything in several years under that name. They have never sent verification nor validation of any kind bearing my signature. I 've even tried to dispute this with credit bureaus to have this fraudulent account removed. I will be consulting with my attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof several times, which I have certified letter confirmation of, and they did not comply.
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland credit management is trying to collect {$3500.00} from me for an account that does not belong to me. They said its for XXXX XXXX XXXX which I currently have and i have always been in good standing with them. I called XXXX XXXX and they told me I have never even been late in a payment and that I do not owe them money. They advised me to call Midland to dispute this. Midland credit management had up to 15 fraudulent account open under my social security number at one point. They remover most of them but left two that definitely do not belong to me. The second one is for the amount of {$1800.00}. I have no idea where this collection came from. This account also does not belong to me. I have put to much into having good credit. Every time I call Midland they do nothing to try to clear up these accounts.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

Amex Express, has place fraud information on my credit report. As of XX/XX/XXXX, on 2 accounts I had with the company. One amount Account charged off. {$2800.00} written off. {$2800.00} past due as of XX/XX/XXXX. On the first account I had made arrangement to pay ever month and you can see in the example below, payment were being made on time after the arrangement was agree on by the company through a recorded conversation. At no point in the report it shows the amounts that were paid ' Account History : Charge Off as of XX/XX/XXXX Balance History : XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2800.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2900.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3000.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3200.00} / no data / Unknown / Unknown XX/XX/XXXX : {$3200.00} / no data / Unknown / Unknown XX/XX/XXXX : {$2600.00} / no data / Unknown / Unknown XX/XX/XXXX : {$0.00} / no data / Unknown / Unknown The second Closed. {$320.00} past due as of XX/XX/XXXX. Show the same fraud information by this company, all my payment were up to date and there were no late payment. <P/>Balance History : XX/XX/XXXX : {$510.00} / no data / Unknown / Unknown XX/XX/XXXX : {$470.00} / no data / Unknown / Unknown XX/XX/XXXX : {$430.00} / no data / Unknown / Unknown XX/XX/XXXX : {$390.00} / no data / Unknown / Unknown XX/XX/XXXX : {$350.00} / no data / Unknown / Unknown XX/XX/XXXX : {$320.00} / no data / Unknown / Unknown XX/XX/XXXX : {$420.00} / no data / Unknown / Unknown XX/XX/XXXX : {$390.00} / no data / Unknown / Unknown XX/XX/XXXX : {$490.00} / no data / Unknown / Unknown XX/XX/XXXX : {$530.00} / no data / Unknown / Unknown XX/XX/XXXX : {$910.00} / no data / Unknown / Unknown XX/XX/XXXX : {$75.00} / no data / Unknown / Unknown I will like the company to see there file showing the account was late at anytime?
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected
Consumer complaint received 2021-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (OH)

I opened a bank account at Chase bank for myself and a XXXX XXXX account for my XXXX XXXX After having these accounts open for a few months I began to get XXXX  XXXX notifications to my phone stating that someone has logged into my account, someone has changed my password, someone has added a new phone number to the account. I contacted Chase right away on XXXX XXXX and I was told to change my password, my user name and the password for the email that I used to originate the account. I did all of that and I was told it was all fine. The next day I received the same notifications. I contacted Chase and asked to close the accounts as someone was clearly hacking them. I was told them could not be closed unless I came in in-person to a location because my account had too much money in it. This was on Sunday. Because of the holiday weekend the banks won't open until Tuesday. I explained that all of the money would be gone by then. They declined to comment on that. I have been on the phone with them for most of the day, transferred to departments that are closed, dead numbers, hung up on and told to, " Have a nice day and thanks for banking with Chase! '' as I was sobbing into the phone and begging them to close my account as my phone is pinging with notifications that people are getting in. They will do nothing. My online account is locked so I can't even see what my balance is. I can only wait until Tuesday and then see what ruins are left of my life. They still are refusing to close my account.
Consumer complaint received 2017-09-28
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. (TX)

Today, XX/XX/XXXX I received a credit alert that my credit score decreased. This decrease also reported to all three credit bureaus. The reason for the 22 point drop was because XXXX XXXX XXXX ( XXXX XXXX ) added a comment of " Natural Disaster ''. So I called and spoke with a customer service rep, which was no help at all and kept having a small giggle. So I asked for a supervisor, to explain to my why that comment was added. I paid my balance down significantly, on my own with no assistance from XXXX XXXX XXXX ( XXXX XXXX ). The supervisor informed me that they put that comment on all there clients credit reports because the credit card services was offering a 90 day no interest, late fees on the credit cards. I said, I understood that. However, I did not get any assistance in that nature because I paid my card down on time and it was not late. So technically, that remark should have never been added to my account on my credit. I informed her that putting remarks like that DECREASES consumers scores. My score showed going up for the decrease in balance then dropping 22 points due to the natural disaster remark. The supervisor stated, she will request for that to be updated and removed and they did n't realize it would dropp consumers scores. She also, informed me that if I wanted to go ahead and file a complaint then I can do that as well. So here it is. Now I want to know how I will get my 22 points back? I 'll wait. I do n't know about anyone else, but my credit is VERY IMPORTANT to me and I work hard to keep it up.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

To whom this my concern, My name is XXXX XXXX and this is not a third party submitting this complaint.I am being taken advantage of by XXXX, Equifax and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2021-09-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (FL)

15 USC 1681b - Permissible purposes of consumer reports, XXXX XXXX XXXX XXXX never gave Equifax written consent to report anything on my consumer report, No Consent is IDENTITY THEFT. Please remove this account
Consumer complaint received 2021-02-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P. (AL)

i check my credit report and notice a debt from paramount recovery systems reporting a alleged debt of XXXX that i don't owe.on XX/XX/2021, i submitted a letter disputing the validity of the debt, as well as requesting other documentation for the alleged debt.as of XX/XX/2021, i have not receive anything from PARAMOUNT RECOVERY SYSTEMS.i need your assistance in this matter in removing this inaccurate information from my report.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JH Portfolio Debt Equities, LLC (MO)

I have a previously removed collection on my credit report being posted by a different collector for the same inaccurate debt and I would like it removed from the credit bureaus immediately. I have tried disputing the item and it still has not been removed.
Consumer complaint received 2021-02-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I found derogatory comments and collections on my credit report. I wrote to portfolio recovery assc. and the three credit bureaus expaining that the collections we're not mine. portfolio recovery reported on my credit report that I owed them {$2400.00} for a credit card account open on XX/XX/XXXX and a credit card account open XX/XX/XXXX for {$990.00}. and a credit card open XX/XX/XXXX for {$600.00}. I told them that I never open any account with them and to please remove this from my credit report. that was the first letter I sent out on XX/XX/XXXX. I got bills from portfolio recovery but it wasn't in the right spelling of my name. Second letter I sent on XX/XX/XXXX I challenged the validity of these accounts therefore, verify accounts. I was sent a fraudulent letter from portfolio recovery that they said XXXX XXXXXXXX XXXX sent them. I took the letter to XXXX XXXXXXXX XXXX and they told me it was a fake letter made up by portfolio recovery. 1. XXXX XXXX logo is much bigger. 2 the date was in XXXX and the letter was in English. 3 my name is spelled wrong. still I was not giving any verified documents The Fair Credit Report Act protects against false and erroneous reporting. Today XXXX  and XXXX still have this on my credit report only XXXX removed portfolio from my credit report.
Consumer complaint received 2017-09-28
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. (NC)

I am one of the millions who were affected by the Equifax liability breach. I have visited their website dozens of times, called their toll free number many times, and tried to enroll in their free credit monitoring service many times, all to no avail. I have already had fraud on my account. They do not respond, they do not enroll me in monitoring service, and the people in XXXX answering their calls basically can answer no questions or provide any type of service or information whatsoever. My credit has been compromised and money has already been lost, and Equifax will do nothing about it, provide no service or protection, and they do n't respond or provide any monitoring service as offered. you enroll in that service over and over again, and it says you will receive an email and a text with information, but no email comes and no text ever comes, so they are fraudulent and liable.