davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

I received another letter from Resurgent Capital Services. I have requested the proper documents to show and prove they are an Entity that is able to enforce a claim upon my person. I have asked for standard contract, receipts, bill of sales, these are easy to come by and provide to me. I will make it easy please send me the Date Of Late Activity?? My name is XXXX XXXX XXXX. I am requesting Resurgent Capital Services provided me with said account XXXX Ref # XXXX Can I see a Original date of default and collection activity begin, whether you purchased the debt, and if so, the amount, paid for the debt, the date the debt allegedly accrued interest? I do know the law and I can read both FDCPA and FRCA. I live in the state of OHIO we have a UCC LAW 1319.12 Taking assignment of debts and there are standards that you can look up XXXX IT! Once again I fail to see were Resurgent Capital Services is in compliance with OHIO law which is based on Federal LAW
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (NJ)

To Whom It May Concern : On today, XX/XX/21, at XXXX PM, I received another one of many repeated telephone calls from FNC Control SVC XXXX. The call originates as a pre recorded message stating this is an attempt to collect a debt. You are not given any information as to the amount of debt, type, who the debt is owed to, nothing. It does offer a number to call for more information or " Press # 1 '' to speak with someone now. So today I decided I would do just that and try to stop the calls. However, upon pressing 1, it just disconnects the call. I have no outstanding debt that I am aware of. We do have debt don't get me wrong. I have a mortgage, credit card, etc., but they are all paid on time. These calls are relentless and typically right as we are about to sit down to have dinner. I am registered on the do not call list which doesn't seem to help entirely. If there is anything that you can do I would greatly appreciate that. I know they have a job to do and it isn't the middle mans fault but these calls are beyond a nuisance. Thanking you in advance.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (VA)

on or aboutXX/XX/XXXX phoenix financial services called me trying to say i owe them {$790.00} for a medical bill from 5 years ago when i tried to explain to them i had never been to the hospital in XX/XX/XXXX like they claim i was cursed at and told bye the man on the phone " '' '' im not hear to argue with your XXXX XXXX XXXX   either you give us the money or i will XXXX XXXX XXXX XXXX up your credit so your telling me your not going to XXXX XXXX XXXX pay us " '' '' ... 
my son who is now XXXX and has the same name was the one who went to the hospital and he had full XXXX which paid that bill in full and now 5 years later do to someones stupidity at the hospital making a clerical error and getting us confused with one another being there are 5 of us with the same name in my family they put a collection on me ... .why wait 5 years till 1 week after my son turned XXXX to pull this XXXX ... it is fraud i have tried to resolve this issue with them and no one will listen they just curse and threaten a XXXX man ... .and i have no idea who or where XXXX XXXX  XXXX XXXX is or why my son was there as i did not have custody of him his mother did ...
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

I applied for a XXXX XXXX card on Sunday, XX/XX/2022. The card is issued by Synchrony bank. When I went through the application process, I requested a credit limit of XXXX or XXXX, I honestly dont remember which it was. 

Sadly, synchrony bank did not approve the credit extended but they opened an account with a {$2500.00} credit line. 

I saved the terms and conditions shared during the application process and I have not been able to locate a section that indicates I consent to the opening of an account that has less favorable terms than I applied for. It is my understanding that if an applicant os extended credit terms that are less than requested, Reg B requires notification of that decision and express consent to proceed with the new credit terms. I did not provide either. 

I have called the company numerous times and spent hours asking staff to validate I agreed to the less than requested terms and no one has been able to do that. In fact, staff has openly said the info is not on disclosures and a supervisor named XXXX indicated its Synchrony policy to proceed with application and not provide an adverse notice outlining the counteroffer. I believe based on the information Ive been provided, that Synchrony is engaging in UDAAP - unfair, deceptive, and abusive acts and practices and in violation of Reg B. 

Additionally, I was told to contact the credit reporting agencies to dispute the application which to my understanding is unacceptable as the bank should have a satisfactory compliant/compliance management system. 

My expectation was to have been extended a counter offer, which I wouldve declined ; instead an account number was opened. I was told if the account number would be reported to my credit bureau, I would have to request to close the account, and it would be reported as closed per customer request.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (NV)

I submitted a letter to the 3 Credit Bureaus ( " DATE OF PREVIOUS LETTER '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CT)

My credit reported was updated today with a collections agency southwest credit systems LP. For  {$360.00}. I dont know who they are. I dont owe them any money. I have never had a signed contrat with this company Southwest credit systems LP. I did not receive any written notification of them attempting to collect a debt from me. I was not given the opportunity to dispute any debt with them. I was suppose to be notified by mail. They are destroying my credit character and worthiness. I want them to stop reporting to the credit bureaus immediately! I will take legal action
Consumer complaint received 2021-04-05
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. (TX)

Companies keep reporting inaccurate wrongful information. The bureaus will not report factual, accurate information, but keep blocking my " verification access '' through phone calls or online requests and keep asking me to send them my information and it all goes back in a never-ending loop. 

XXXX  XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX Transunion 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 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

I purchased a computer from Best Buy on XX/XX/19. The virus protection that comes free with the computer was not in the box. The following day I went to a different Best Buy near my son 's home and explained the situation to a gentleman in the computer section. He told me he would give me one at no cost, since I did not receive it, I showed him my receipt. He was unable to do so, he went and got his supervisor whom also tried and was unable to have the register accept it. The supervisor told me I had to pay for it, then they could give me a full refund once it cleared my bank, which was the following day. I used my bank card as credit, and they refunded the {$31.00}, the cost of the virus protection to my Best Buy card, which was not the card I used to make the purchase. There was {$22.00} credit on my Best Buy card due to interest. I want the {$31.00} back on my bank card not my Best Buy card. I also heard it is against the law to put the credit on a credit card that was not used to make the purchase. I have waited three weeks, and the refund has not been put back into my bank account. I called Best Buy headquarters on XX/XX/19 and spoke to XXXX, a manager, he told me to go back to the store and have them give me the refund. I told him that the store made the error of not including the virus protection, and then put the credit back on the wrong card, neither one was my error. Thank You, XXXX XXXX XXXX
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (GA)

Ive tried to get this company to correct these issues back in XXXX of 2022 Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello my name is XXXX XXXX, for about two and a half years I have been working on my credit through XXXX XXXX, when I started my score was around a 450, I took all of the necessary steps to improve my credit to present day and it is now at a XXXX. I have a lot of credit inquiries from car shopping and now the only reason I'm getting denied from some of the Banks is because I have too many credit inquiries. From what I thought and from what XXXX XXXX  explained, there is a up to 45 Day Grace period When shopping for loans of the same type.And you will not be penalized for each individual credit inquiry, this is not the case, every individual credit inquiry is on my credit report and is now working against me after all of the work I've done to repair my credit .I have XXXX young children and I'm a single father and the only vehicle I have is my work vehicle which I can not use for personal use. From what I understand inquiries stay on your report for 2 years but unfortunately I don't have this time to come up with a vehicle, all of my credit inquiries are for an automobile purchase, I would like the two reporting agencies TransUnion an XXXX that report on XXXX XXXX to take a look at this and remove any inquiries that we're not group together under the same loan type policy. I've tried to reach out to them and it is difficult. Thank you for looking into my matter it is very much appreciated. My email is ( XXXX ) and my phone number is XXXX XXXX XXXX.
Consumer complaint received 2022-11-30
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. (MO)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against them if they do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX : {$6800.00}
Consumer complaint received 2018-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion enclosed is a copy of reinvestigation that account removed from my credit report sent to the CFPB in a response please remove this account XXXX /XXXX XXXX XXXX this is not a dispute but to send you actual facts this account is to be removed after reinvestigation was done. enclosed is a legal statement of fact response to a Goverment agency on this case
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

I noticed this alleged deb is listed on my credit report. I have sent out a request by mail to have verification of this debt and called today XX/XX/19 and was told that they do not send out any communication regarding a debt and don't attempt to collect by contacting you. She said they just list it on your credit report and proceeded to ask how I would pay. I asked for verification to be sent to me about this alleged debt and advised I have sent my request via mail and she said thy do not send that information out. She only said that because it is on my credit report it is " pretty legitimate '' and how would I like to pay it.
Consumer complaint received 2022-07-03
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. (NY)

n accordance with the fair credit reporting act convergent 1 ) XXXX XXXX XXXX # XXXX, 2 ) XXXX XXXXXXXX # XXXX,3 ) XXXX XXXX # XXXX, XXXX ) XXXX XXXX  # XXXX, has violated my rights.

15 U.S.C 1681 section62 A. States I have the right to privacy.

15 U, S, C 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (TN)

I sell online for XXXX. During XXXX I always have a larger deposit because we specialize in toys. I have been with this bank for 4 years and the pattern is evident. This year when we got a large deposit they froze my funds and closed my debit card because of the amount of the deposit. When I called to find out what was going on, I was informed that the bank had decided to end our relationship. I had no access to any money, couldnt log onto my online account, and none of my cards worked. I am still in the waiting period for my funds to be mailed to me. I have incurred bounced check fees, online reversals of payments, delays in deposits from other sources, and just general frustration. How can banks do this to people? I literally have XXXX in the bank but cant get gas.
Consumer complaint received 2018-12-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

When I originally purchased my home the bank representative advised because of ltv issue would have to pay pmi and taking this balloon would get me around having to do that almost 12 yrs later my balance is close to what I took it for and in XX/XX/XXXX I will have a balloon payment or refinance. I tried to get help from the company who made this loan back in XX/XX/XXXX but to no avail they had sent me information to lower rate and convert it they said I didnt qualify due to the fact I had enough income to handle? If that was the case the cost of pmi at the time probably would of been the same amount that the 2nd mtg I've been paying for the last 12 yrs would of likely been done and over and no responsibility to this nutty makes no sense 2nd mtg. What are my options out side of refi to pay off which is not the point I should have never been taken advantage of for this product that really could of been avoided due to the greedy sales person who got a bonus by making another loan?????!!!!
Consumer complaint received 2022-07-04
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. (WA)

There is an installment loan that is being reported as an open account when it is a closed account. It is also reporting late payments even though there aren't any payments to be made. 
original Creditor- XXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2021-10-29
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: AMERICAN HONDA FINANCE CORP (PA)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft AMER HONDA Account Number : XXXX This is not mine. 

2. Identity Theft 12 XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.