davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

I am submitting this complaint because DESIGNED RECEIVABLE SOLUTIONS, INC has damaged my financial emotional life. They have been being negligent with their report. The accounts involved is the followings : Account number 1 : XXXX Date Opened : XX/XX/2019 Original Balance : {$220.00} Account number 2 : XXXX Date Opened : XX/XX/2019 Original Balance : {$75.00} I am demanding the item completely removed from my reports. My demand is based on the following actions by this company Re-aging account., Unfair business practices., Negligence., Failure to provide customer adequate customer service., Violation of CCRA., inconsistent report across bureaus., Failed to mail adverse notices., emotional stress, credit score drop, etc. 

Please send the attached documents to the company. 

Thank you.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is XXXX  and the other is XXXX  XXXX XXXX. For some reason they are not reporting to XXXX, equifax and XXXX  any help here would be greatly appreciate.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (AZ)

My name is XXXX XXXX. I am making this complaint because I opened a bluebird prepaid account with the intent of having Unemployment funds direct deposited into the account. I waited 2 months for the unemployment funds to go through. When they finally did. The unemployment agency from the state of Arizona deposited funds into the account in the amount of {$12000.00}. I was notified by the bluebird agency through email that the deposit had taken place. When I went to check my card, the balance said XXXX. I then called the bluebird agency. Who then informed me that my account had been locked, but would not tell me why or what I had done. They would only say that I violated some agreement, but wouldn't tell me what it was. They then told me that the only way that I could resolve the issue or get an answer was to write a letter to the corporate office in Georgia. I have done this twice, and I have received no response, except for an additional E mail stating that I had needed to write a letter to their office, which I have done. It has been a month and I ever recieved no statement from the company and they have not released my funds This company is holding funds that I desperately need, and that were awarded to me from the state of Arizona 's unemployment office. Any assistance you could provide me in this matter would be greatly appreciated. I would like my funds released to me as I desperately need them. You can Reach me via phone ( XXXX ) XXXX or via email XXXX Thank you I hope to hear from you soon. I have also Uploaded a copy of the letter that I sent to the company
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have sent complaints to the company directly as well as to all 3 credit reporting agencies. This false incorrect information continues to be reported on my credit reports Equifax, XXXX, and XXXX. These accounts do not belong to me but yet they continue to report these accounts XXXX account # XXXXXXXX XXXX account # XXXX
Consumer complaint received 2021-10-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credimatico LLC (TX)

Senor Dinero has illegally and unethically repeatedly withdrawn money from my bank account. I have written them several times revoking XXXX  authorization because the loan is paid but they continue to do so. 

I've also asked them to cease and desist and to not contact me. However ; they are continuing to harrass me via phone, email, and have contacted my relatives and associates in an effort to embarrass me. 

They do not follow Debt Collection Laws and should be out of business
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Corporation of America (TX)

On XX/XX/2019 at XXXX am I received a call from Account Services. The number was an unknown number. But I have special features on my that let me know if it is spam, scam, or fraud. In this instance when it says unknown it will not detect it. I was away from the phone and could not answer. I have had problems with these people before. They say its a personal business matter and will not tell me what it is until they are sure they have the right person. They know they have the right person when they ask to speak to me and I tell them this is he and they respond we have to verify this is the right person. I am not and will not give out any information like that to anyone. My credit report states that my email and social security number have been compromised. The number that they called from was flagged as scam or fraud and as a debt collector. According to Federal Law they have to identify themselves as a debt collector trying to collect a debt they do not. See attached file.
Consumer complaint received 2022-08-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (KS)

I have retained the Law Firm of XXXXXXXX XXXX XXXXXXXX for the purpose of debt resolution. Upon the advice if my lawyer, I was to direct all inquiries regarding any and all alleged debts to the firm. This was communicated to the original debtor and or all agents acting on their behalf or subsequent new owners of said alleged debt. After be notified of my legal representation, the collection agency still attempted direct contact via phone and by mail.
Consumer complaint received 2021-10-13
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have serious problems with addresses on my credit report that I have never lived at showing on my credit report! Please remove these unknown, unrecognized addresses. The following addresses are not accurate please delete : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I have a new job that I am applying for and this information on my file needs to be corrected. 
I noticed that there was an account from XXXX XXXX XXXX  # XXXX I have never done any business with this company and I know this information is inaccurate. Please delete this account at once. I have requested documents for this account without any response back. This is an error. 
Please remove the name XXXX XXXX XXXX and XXXX XXXX that is not my name.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I receive multiple calls a day from Portfolio Recovery. Every call is from a different number in a different state. I have answered multiple times to ask them to stop calling me. The collector hangs up or is harassing toward me. I want these phone calls to stop. When I do answer the call the collector is rude, threatening and belittling. Especially in this time of what is going on, that is not necessary. I have blocked every number that they have called me from but they just call from a different number. I have not received any mailings, just harassing phone calls 7 days a week. 

Below are some of the phone numbers that I have been contacted by - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Those are just the numbers I can identify. I have over a dozen more that my phone identifies as SPAM that I am sure belongs to portfolio recovery. They call me multiple times a day from the different numbers and 7 days a week. I receive phone calls on Sundays at XXXX! 
This harassment needs to stop immediately.
Consumer complaint received 2020-10-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

There is a collection that keeps showing up on my report literally every other day. Portfolio Recovery. I have attempted to contact them with no response. I have no open accounts or collections. All my debt was paid off earlier this year. This is not my account. It needs removed asap. They respond to no emails or calls. I've had no mail received. I'm assuming this account may belong to another person with my name. Again, it needs removed.
Consumer complaint received 2020-08-26
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. (MA)

GOOD EVENING ; SEE ATTACHMENT! - I'M NOT SURE WHERE THE DELAY IS BECAUSE I'VE TRIED FOR MANY MONTHS - EVEN AFTER I PAID OFF THE ACCOUNTS AS AGREED UPON AND IT CONTINUES TO REPORT INACCURATE INFORMATION. I PAID {$3300.00} AS AGREED AND IT WAS TOLD THAT IT WOULD BE DELETED FROM MY CREDIT REPORT. I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2020-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2019-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (GA)

On XX/XX/XXXX, XXXX XXXX XXXX  submitted a derogatory mark against my credit claiming that they were collecting a debt from XXXX from a hospital. I contacted XXXX, and they were unable to give me any details about the debt including why they had not contacted me prior to submitting my information to the credit bureaus. I contacted the hospital who informed me that they would not have submitted any collection to XXXX XXXX XXXX  and that the debt had been paid. The hospital then emailed me a copy of the paid in full report. XXXX will not receive my calls ( they continually drop the call ) as I have tried to contact them to provide the proof of payment. I have emailed the proof to them and have received no response. I have mailed proof to them with no response.
Consumer complaint received 2021-10-14
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: CITIBANK, N.A. (TX)

Dear Sir/Madam To what is my concern. 

I was owner of Citibank card, # XXXX, opened XX/XX/XXXX on limit of XXXX $ and i was fell on late payment due to death of my wife. 
My late wife, XXXX XXXX XXXX, she is open credit card, under my name to help built my credit and I was give her authority no just for Citibank card, but for all other credit cards. 
On XX/XX/XXXX we are was found, my wife XXXX XXXX XXXX, she is sick with XXXX XXXX and XXXX XXXX, and doctor give her only three to six month of life, but she is pass away two and half month later. 
Before she is pass away, i was try communicate with my wife to give me all access to our account so i can pay all bills. 
Due to driving my wife in and out of hospital, XXXX XXXX in XXXX, my work time and XXXX XXXX i was fell behind my payments on Citibank credit card for month of, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but i was later on pay all credit card in full. 
MY WIFE XXXX XXXX XXXX, SHE IS PASS AWAY ON XX/XX/XXXX IN MY CRITICAL TIME TO DO ANYTHING FOR PAY MY CITIBANK BILLS AND I WAS FORCED OPEN NEW CHECKING ACCOUNT WITH NEW BANK. 
Due to her sickness, she is forget all password and pin numbers together with email, and also she was under extremely heavy medicine. 
I know i have Citibank card, and we never was late on pay bills, just because she was set all payments on autopay for each month. 
Apparently due to sickness doctor tell me, the are possibility she is just delate all auto payments on line. 
I was try contact Citibank by myself numerous time and thru XXXX agency, but nobody never return my call and Creditrepair.com never help me clean my negative item on my credit report. 

Please, if you can help me contact Citibank to remove negative item from my credit report., so i can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX XXXX XXXX XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX ), lastly I was never 120 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Consumer complaint received 2020-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

It is about Kohl 's reporting. They reported late payment to the credit bureau. 
Purchased several items on XX/XX/XXXX XXXX order # XXXX XXXX I receive the latest item on XX/XX/XXXX. 
Value {$100.00}. Not sure what was the due date for the cc payment ( i have only access to the last XXXX statements through their website XXXX, probably somewhere around XX/XX/XXXX. That is the date on other statements that I have access to. 
I contacted them in XXXX just after the mandatory store closing around XX/XX/XXXX. 
I was asking about returns. I wanted to return most of the items but the store was closed. I was told by customer service not to worry. I can do that after reopening. No one knew at that time how long the stores will be closed. No one told me that I have to pay the balance at that time. I assumed that because we were in a special situation Covid 19 that everything works different way at that time. 
I understood that I don't have to do anything at that time. 
In XXXX XXXX around XXXX ) I was planning to buy some more items from the store I called them and I learned that I have an unpaid balance and that they are charging me extra fees for that. I explained the situation. I was told that I have to pay the balance and everything will be taken care of. Paid the balance and the fees were credited to my account. 
But after a few days, I have learned that they posted late payment to the credit bureau. Because of that my credit score from over 800 went down to XXXX. 
I was told by the Credit Bureau to contact Kohl 's to reverse that. Kohl 's refuse to do that! 
I think that I was treated unfairly. I was doing what I was told to do by their customer service. It was an unusual situation because of Covid 19 and the credit reporting should be reversed! I returned the purchase items in XXXX after they reopen the stores. It was my first and the only one late payment in my history!
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION (NC)

In XX/XX/2020, I was shopping for interest rates on a used vehicle loan. In doing so, I submitted an automotive loan application to Pentagon Federal Credit Union XXXX PenFed XXXX, among several other financial institutions. Other than a loan application, I did not execute, nor intend to execute, other loan documents, including a promissory note, with PenFed. Subsequent to the loan application being submitted and approved, and without executing other legally enforceable loan documents, PenFed added the auto loan to my PenFed account and began enforcing the loan without authorization to do so. While enforcing the unauthorized loan, PenFed began drafting the monthly principal and interest payments from my checking account through an unrelated third-party financial institution, which was included on my account to service my PenFed mortgage note. In addition, PenFed incorrectly reported the unauthorized auto loan to the credit reporting agencies, which adversely affected my credit score and ability to obtain credit. 

I am highly concerned that PenFed is recognizing unauthorized loans ( and loans in which PenFed does not have an enforceable right to collect on ) in their credit lending portfolio and thereby adding unauthorized loans to consumers accounts and credit reports without their knowledge after a consumer applies for a loan.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MD)

At some point all three credit reporting agencies should stop blocking me from getting what the federal government is guaranteeing the US consumer. And that is weekly annual credit reports from XXXX, XXXX and Experian. All three are still restricting us access to get the Free Annual Credit Reports. This has been going on for awhile, and it is being allowed to keep us from seeing how our credit scores are being suppressed. Now we have a perfect paying history, no late or missed payments on any of our accounts. No negatives or anything that could negatively impact our credit scores, yet my XXXX score is XXXX and my XXXX credit score is XXXX. My Experian is XXXX and that is because Experian limits their third part access into the consumer credit data. 

The goal is to keep our score low and make our accounts XXXX. 

We have been disputing this and all three credit bureaus have been consistent to NOT CORRECTING these intentional errors
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (GA)

This is a direct response to a letter I received from Chase Bank 's fraud department. The letter was dated XX/XX/2021, but I received the letter in the mail yesterday. This letter says that they need my ID and the Identity theft report I completed online at IdentityTheft.gov I am filing a complaint, so I can keep a proper paper trail of my communication for Chase Bank 's fraud department as this has been ongoing for 4 months now, having sent my original letter XX/XX/2021 and today 's date - XX/XX/2021. I want to assure timely response from Chase Bank 's Fraud department while I continue to protect myself from future identity theft. Please see the documents you requested attached. 

" Subject : Action Needed : We need more information from you. ''