davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (KY)

on XX/XX/2022 a letter was sent stating that I were disputing the validity of the alleged debt by certified mail. Also, a notice to cease and desist letter was sent on XX/XX/2022. 

Re : Notice to Cease and Desist Account Number : XXXX Dear NCA , To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Consumer complaint received 2022-10-04
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. (KS)

1. The Credit Reporting Agency as well as the Debt collection FAILED to THROUGHLY VALIDATE my request. I requested for a full validation of a debt reported in my credit agencies by XXXX XXXX XXXX XXXX. 
( Experian-CFPB Ref. No. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2. They failed to THROUGHLY VALIDATE the claimed debt reported in my CREDIT REPORTS and Experian closed the complaint without proper investigation into the issue. 

3. I received. the statement from XXXX DEBT COLLECTION AGENCY without any documents or information on FULL VALIDATION I requested. I am enclosing the photocopy of the documents I received from XXXX DEBT COLLECTION AGENCY.
Consumer complaint received 2022-06-06
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXXXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX XX/XX/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 2022-06-06
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: Affirm Holdings, Inc (GA)

In XXXX of XXXX my car was broken into at my apartment complex and my wallet along with credit cards and drivers license were stolen. My credit card was used that night and thankfully I was able to freeze the card and get a new one. I also got a new drivers license. I filed and received a police report. In XXXX of XXXX I pulled a credit report and saw there was an installment loan with Affirm , Inc . opened in my name back in XX/XX/XXXX ( per credit report ) in the amount of {$2000.00}. Upon speaking with Affirm, this account was used on car parts.com to purchase many car parts ( parts that are not for any car that I own, a XXXX XXXX ). I reported identity theft to my local police and received a police report. I reported identity theft with all 3 credit bureaus and filled a dispute with the loan company Affirm , Inc. as well as with XXXX. 

Affirm has concluded, as of XX/XX/XXXX, I was still responsible for payments even though I have no knowledge of this loan or who could have possibly opened it. I provided Affirm, Inc with copies of both police reports, an Affidavit they made me fill out and a copy of newly issued drivers license. Still no luck. 

I have a credit report from XX/XX/XXXX which still does not show the loan with them which is why I was not able to catch the error until XXXX.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (FL)

Receive a collection letter dated XX/XX/2022. 

Letter states as of XX/XX/2022 debt owed was {$1000.00} They also say that is paid after XX/XX/2022 they would want an additional {$350.00} as their collection fee. 

Debt was paid in full to the original creditor on XX/XX/2022. 

I have receipt and shared it with collection agency and talked to them several times. I told them if they put anything on my credit report I would seek action. They damaged my credit by putting this on my credit report. I am currently trying to purchase a house.
Consumer complaint received 2023-03-04
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. (NY)

The offender is XXXX XXXX XXXX for a lease I held between XX/XX/XXXX to XX/XX/XXXX. 
They incorrectly reported several late payments up to 120 days which caused me to be denied a new lease. This information was provided to me by the XXXX dealer! All of the payments were made on time and my messages to XXXX were ignored or deflected to deal directly with the credit bureaus! This fraudulent reporting has caused an immediate family loss of {$3600.00}.
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC (CA)

XXXX XXXX  XXXX XX/XX/year> {$1600.00} Sunrise Credit Services XX/XX/year> {$1200.00} XXXX XXXX {$210.00} I have not received any requested documents. 
I requested to see my the signature that I put on a contract guaranteeing that I would pay this creditor on the debts above. I also did not received any info for chain of title to collect on this debt for each creditors listed above. Nor I did not get a detailed history of payments that I made on these accounts listed above. I also requested to know if there has been a insurance claim on these debts.
Consumer complaint received 2022-08-21
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)

This is pertaining to the Attorney General - Child Support information on my Equifax credit report. It shows an open account balance of {$250000.00}, which is very much inaccurate. This account is closed and there is no balance due. This account is closed I have repeatedly asked Equifax to remove an account on my credit report that shows as opened and it is closed. I have provided documentation evidencing this. However, they continue to report it as open and it is negatively affecting my credit. 

Please assist in getting this resolved. I am providing documentation from the courts that this account is closed. 

Thank you!
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had a automatic withdrawal come out of my account overnight and late. The same time a transfer was happening on my account. The bank purposely waited on this automatic withdrawal so my account could overdraw as a retaliation of moving funds to a different bank branch. I requested the return be refunded as it dont not fall under their 24 hour policy and the first associate I spoke to claimed I was correct and the funds would automatically appear. Until today, a call center manager named XXXX claimed the funds can not be returned because it is not bank policy. I should have ended my relationship with this bank years ago! I am over it and just want my funds back.
Consumer complaint received 2022-06-24
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: PENTAGON FEDERAL CREDIT UNION (CA)

Someone asked for loan to a XXXX XXXX XXXX in my name for solar panels, XXXX for {$35.00} I don't have any solar panels, I already expained to them and they want the payment, I made a report to the credit companies : XXXX, XXXX, and XXXX but they said they have the contracts and if I want hire a lawyer.
Consumer complaint received 2022-08-21
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: DISCOVER BANK (OH)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

I received a call from Frost Bank and they left a message for me to call them back. The lady I spoke to was XXXX XXXX and she was trying to confirm that I had opened an account with them this morning. She said they have been getting a lot of fraud accounts lately. I said I have not done that, I am at work. She explained that someone tried to open an account online and she said they even had my correct address and even my drivers license number. I didn't give her any information because I didn't know if you could possibly be a fraud person, but it did not seem that way because she was able to confirm all my information. The only thing the fraud person put incorrect was my phone number, so she searched it and that's how she was able to leave me a message, hoping that I would call back. She was able to stop everything and close the account. She suggested I make a report with the Federal Trade Commission for identity theft. I am glad I was able to stop everything, but now someone has all my information and I don't know how. I do not share this with anyone. Please be aware that someone is trying to steal my identity. This is the last thing I need. Thank you so much for your help with this!
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION (TN)

Account was hacked and login information including address changed so that thieves could have physical debit card mailed to their address. I was not notified in any way that information had been changed from the bank. I opened new account and transferred money into new account and froze the account that had been hacked. Within one week of new account opened and absolutely no online transactions banking authorized {$10000.00} was transferred from my new account back into the old account that I had frozen. The Bank refuses to or denies any capabilities to find out who where or what made that transfer from the new account in which no online banking was authorized and account was supposedly locked for anyone including myself to do so without personally going into the bank and showing proper ID. I now have around {$11000.00} floating around at bank supposedly frozen that I am being told I have to wait for. The Bank could not even tell me how long I am going to have to wait for it to clear and them be able to refund my money and permanently close all of my accounts with the bank. I am not being forced to employ credit ID fraud company to monitor my accounts in an attempt to protect my ID and information from whomever is attempting to defraud my identity. The Bank is absolutely zero help and no one is reporting to authorities or police. I am personally reporting all the information to the cfpb and FBI. How can a Bank not have the ability to trace where a {$10000.00} transfer originated? The bank employees only used a simple chat room to attempt to answer my questions. No one was trained or had ability to deal with fraud or properly go through account information.
Consumer complaint received 2022-11-22
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: DISCOVER BANK (PA)

In XXXXXXXX XXXX XXXX, someone hit my credit report with 4 hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with Discover Bank. I tried to resolve the issue with Discover. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to Discover and they are currently doing an investigation on the account.
Consumer complaint received 2022-06-06
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: U.S. BANCORP (CA)

I was trying to add new information for complaint XXXX under the CFPB that I summited last night. I just spoke with a supervisor from USBANK on XX/XX/2022. Her name is XXXX XXXX and she refused to give me her last name. XXXX XXXX just stated to me that I was sent a letter suggesting me that I should talk to a third party lawyer and get a letter. She suggested that USBANK sent me a letter with a given deadline, but latter stated that in fact I never received such letter because the bank never sent that to me. When I asked her why the bank didn't provided me with appeal rights and a deadline, she stated that " we didn't though that you were going to win the dispute with XXXX because you only had like one day to dispute and therefore we never send your appeals right info. She could never explain why nobody ever called me from the dispute department and told me I only had one day and that I was wasting my time and money by speaking with lawyers. I called the bank multiple times and ask to speak with dispute and fraud reps and after been told they were calling me back, they never did. Is clear that the merchant violated my rights by not even providing my appeal rights and handling my case poorly. I want your office to do something about the bank violating my rights and making me waste time and money talking to lawyers when they knew they were not going to be able to help me, but never said anything to me. It seems that USBANK didn't know how to handle my case properly and violated my rights. I was given the wrong information multiple times on a recorded line about my timeline for the dispute and now my rights had been violated again by not providing my appeal rights and the staff constantly giving me the wrong information.
Consumer complaint received 2022-10-23
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: Lockhart, Morris & Montgomery Inc. (MN)

XXXX XXXX Lockhart, Morris XXXX XXXX XXXX XXXX XXXX XXXX My wife and I have disputed these accounts on her credit reports detailing why they are wrong. Their self reporting refused to acknowledge the factual information we have submitted and keep report on all three credit bureaus.
Consumer complaint received 2023-04-04
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated and corrected 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 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
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NC)

I get close to XXXX calls a day and many back to back calls daily from commenity Bank it's harassment at this point. I want to work with them. But I don't want to now with all the phone calls. As of XXXX on Monday XX/XX/2022 I have missed XXXX calls from them. XXXX. And I will get more today. That's crazy. I shouldn't have that many calls back to back.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

Citicard added a user to my account without consent or collecting that person 's personal information, then sent them a new credit card in my name to activate and use. The person let me know before activating.