davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (TX)

I am disputing the debt as reported by ENHANCED RECOVERY CO L for {$260.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/22, I used Paypal to purchase a concert ticket. I was sold a counterfeit ticket, it was a scam. I contacted Paypal on XX/XX/22 to report the fraud and request a reversal or refund. They refused to help me. I offered to provide evidence and they were not interested, they chose to side with the criminal rather than their customer, they are complicit in the crime.
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

A collections agency named XXXX XXXX XXXX   has been harassing me. They have all of my information which is very upsetting and say they need to collect a debt owed to XXXX. The amount is {$100.00}. I closed out my XXXX phone account 2 years ago and paid everything in full. In XX/XX/XXXXthis collections for {$100.00} showed up on my credit. I went into the XXXX   store and XXXX  said they can not find anything about this and that it is even hard to find info on my account as it has been closed out 2 years ago. They said DO NOT talk to the collections agency and they don't know what this is about.

XXXX XXXX XXXX is fraudulent and will not stop calling my cell phone and harassing me at my place of work. I have already filed a dispute with the credit agency in regards to this fraudulent claim. I want this collection removed from my credit. I would also like this company investigated for fraud and harassment. They have been reported to the XXXX 1603 times for claims of harassment and bothering people in addition to multiple other complaints online.

Thank you in advance for your help with this matter.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CO)

Since XX/XX/XXXX and until XX/XX/XXXX, I had been involved in a debt management plan with XXXX XXXX XXXX  for several credit cards. This program was completed successfully by me in XX/XX/XXXX.

My consumer report displays delinquent account data for only one creditor ( Barclays ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only Barclays.

I attempted to resolve this situation initially with the XXXX XXXX XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with Barclay several times for an answer to no avail. Further complicating this issue regarding records, XXXX XXXX XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time.

I personally contacted Barclays to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions.

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for Barclays, which has absolutely devastated my credit reports, and caused me severe financial harm.

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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

Account name XXXX XXXX Account # XXXX 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.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX Refusing to report it as student loan being closed. Either XXXX payment or {$5000.00} payment I only owe for student loan I borrow to help me finish my career XXXX XXXX Which I was unsuccessful complete it with XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX. {$2500.00} each by both Colleges. My mom didn't have the funds to put me through college. Also had my kids depending on me to support them through school. I feel that I am being discriminated against because of my race, age, and sex. My dad was there financially to support me through high school and college. But I was there for my kids financially to support them through schools. That difference between XXXX  men my age. By preventing from being equal.
Consumer complaint received 2022-09-15
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. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be remove because According to 15 USC 1681 : I Have the right to privavy and i did not give equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX - XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Huge variations on the late payments between all the 3 major credit reporting agencies. 

XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

As stated in my previous complaint, I have disputed a Chapter XXXX bankruptcy reporting on my Experian credit report as well as all of the accounts that were included in that bankruptcy on XXXX and XX/XX/XXXX and now also XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX due to the fact there are multiple inaccuracies and discrepancies being reported which is having a devastating effect on my credit scores and financial well-being. And each time I have disputed this information, Experian has CLAIMED the Chapter XXXX bankruptcy has been verified by XXXX and that the bankruptcy and accounts included in the alleged bankruptcy belong to me AND are reporting 100 % accurately. However, the information that is being reported to each credit bureau is completely different such as the file date and discharge date and no assets or liabilities are reported which is definitely an inaccuracy. And the accounts that were allegedly included in this erroneous bankruptcy are all reporting differently across the credit bureaus. Information such as open date, date of last activity, date of last payment, date of first deficiency, high balance, etc are completely different. Yet, Experian has CHOSEN to continue reporting this information on my file. My confusion is how is Experian in compliance with what is required by The Fair Credit Reporting Act regarding truthfulness and accuracy of ALL information being reported on my credit report, if they have been given ample evidence to the contrary, yet are still reporting this erroneous information? Furthermore, I have provided them with proof that XXXX ( who they claim verifies their bankruptcy reportings ) has no record at all of any bankruptcy listing under my name and social security number ( which I have attached to my complaint ). As you can see under Section 9 of the report, there are NO bankruptcy listing being reported. I disputed this inaccurate information with XXXX and they entirely removed it from my file. Yet, Experian has chosen to continue reporting this inaccurate information further damaging my credit worthiness.
Consumer complaint received 2022-07-25
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. (GA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (MI)

XXXX XXXX XXXXXXXX First financial asset management continues to contact me on behalf of XXXX XXXX XXXX  stating that I owe them {$100.00}. I have repeatedly contact XXXX XXXX and my XXXX card company because the debt was paid twice actually on XXXX the XXXX of XXXX and I have proof and the debt was also paid a second time by accident on XX/XX/XXXX. Financial asset management has continued to harass and call me they will not send me anything via mail or email they will not let me just do the charge they will not validate the charge with XXXX. XXXX has indeed provided the information that the debt was paid twice. I don't even know what the dead is for I don't even know what the {$100.00} was charge on my card without permission what it was for nobody has told me however, it was just charged on my card without reason.
Consumer complaint received 2022-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

I received a call from a debt collector with Hunter Warfield in an attempt to collect a debt. I informed the collector that the debt did not belong to me, and I inquired about the social security number associated with the account because I have a fraud alert on my credit reports. The collector provided the last 4 digits of the social security number by phone, and it was not mine. I again, informed the collector that the debt did not belong to me. ( 1ST CORRESPONDENCE ) I received a bill by mail from Hunter Warfield attempting to collect the debt. ( 2ND CORRESPONDENCE ) The letter was addressed to " XXXX XXXX XXXX this is not my legal name and I do not have an alias. I sent them a letter requesting verification of the debt. I specifically requested a contract with my signature and the last 4 digits of the social security number connected to the account. Hunter Warfield sent me a contract between " XXXX XXXX XXXX and a creditor, there was a signature on the contract that did not belong to me, and they would not re-confirm the last 4 digits of the social security number which they provided in an earlier communication by phone. ( 3RD CORRESPONDENCE ) I sent another letter informing them that they are contacting the wrong person and I provided the evidence described above. Hunter Warfield resent the same bill, with the same contract, and is still demanding I pay them. ( 4TH CORRESPONDENCE ) At this point, they are harassing me ; the agreement that they continue to send is not between myself and the creditor, I have never lived at the address listed in the agreement, and the social security number attached to the account does not belong to me. So, why is this collection agency harassing me?
Consumer complaint received 2017-06-22
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: U.S. BANCORP (TX)

My wife and I found a new home we decided to buy it so when the lender ran our credit everything looked good but one account on mine it was from U.S Bank it said never paid a bill 90 days late cancelled account. I told the lender I do n't know anything about this account so they game me contact numbers to call to find out more about this account. Finally after four different numbers being transferred to and waiting at least 10-15 minutes each time to talk to someone I found that U.S Bank is a credit card company and someone took my information when on the internet applied for a credit and was approved for {$5000.00} so this person that stole my information purchased {$4200.00} of merchandise and never paid on it. So I talked to the lender and they said this shows up bad on credit score and this is going to drive your interest rate up maybe not even be able to get the house I had a XXXX credit score before my information was stolen now it 's a XXXX. I.S Bank told me it will take 90 days to take care of this and when they are ready to clear this from my records they will send a letter in the mail saying it 's taken care of. My wife and I ca n't wait 90 days we can miss out on this new home we are trying to buy I spoke to atleast 3 different people from U.S Bank on the phone all them say the same thing 90 days this is just not fare or right how can someone go on the internet apply for a credit card and get approved? My wife and I are frustrated we do not know what to do?
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

In XX/XX/XXXX XXXX XXXX sent me alert that Navient placed 3 delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called Navient and set up a payment arrangement on 3 of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from Navient to call. At first he led me to believe he was going to get the 3 negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently lost his job. In XX/XX/XXXX I applied for Forbearance with Navient and was approved. Navient led me to believe ALL of my loans were in forbearance, however XXXX XXXX advised me 3 of my private loans were n't looped into that forbearance. Navient never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of Navient never followed up with me, and I had to call him on XX/XX/XXXX to see what had happened. I was told when setting up the payment plan in XX/XX/XXXX to write a letter to Navient 's credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that Navient correct the inaccurate reporting.
Consumer complaint received 2017-06-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX ... To Whom It May Concern : I have contacted the debit card department and they confirmed that the account was closed and does not have any balance. This is reporting negatively on my credit report as Paid in Settlement {$39.00} written off. There was fraudulent transaction and it was disputed and I have paid the full balance. The representative over the phone clearly mentioned that there is no balance and this company still reports incorrect information on my credit report. This is hurting my credit score and my ability to get a home mortgage for my family with XXXX kids. Please delete this information from my credit report immediately.
Consumer complaint received 2018-10-24
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: EQUIFAX, INC. (TX)

These inquiries below are not mines. Some of these inquiries were deleted and reappered more than a year later. 




Inquiry details XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXXXXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg.  Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (MD)

Since XX/XX/XXXX, I've gotten calls from phone number XXXX once a day, every weekday morning from about XXXX to XXXX am. Caller ID displays XXXX XXXX '. I rarely pick up the phone and no message is ever left. On the rare occasions I've picked up the phone without saying anything myself, there is nothing but dead air on the line. 

Based on the pattern of these calls, I strongly suspect that the calls are coming from a debt collection agency. When I XXXX  the number, many complaints mention Jefferson Capital Systems, a debt collection agency. However, all of the complaints against the company are more than 2 years old.

I have absolutely no unpaid debts of any sort. My mortgage is paid off, credit card balances, utilities, insurance payments etc, are all automatically debited in full each month from my bank checking account. In addition, my credit scores from various sources are consistently above 800, with a completely clean credit record.

Since I have no debt problem, I have no intention of personally interacting with the source of these calls. I just want the calls to stop.