davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (FL)

I have not ever received any written notification in reference to a Comenity Bank/Victoria Secrets Card . I had a Victoria Secret Card that was submitted with a XXXX XXXX XXXX that was filed in XXXX and discharged in XXXX. Since then I have not had a Comenity Bank/Victoria Secrets card nor have I received in written communication referencing a debt owed. I have not have any reporting to any CRA 's that a debt was owed, past due or charge offed. On XX/XX/XXXX, after relocating to Florida and starting a new job, I received a very threatening call from XXXX XXXX XXXX XXXX out of XXXX TX. The women told me that there was a warrant out for my arrest and that they had a default judgement against me, she verbally provided a case # and stated that I had until XXXX pm that day to pay to stop the warrant and final judgement. I working as a XXXX in the XXXX XXXX and can not have any negatives on my credit. So in fear I immediately paid the debt without verifying if the debt was even valid. The women knew all my personal info and sounded very convincing. I emptied my savings and paid {$3100.00} to XXXX XXXX XXXX. I received a letter from them confirming debt paid in full. As of XX/XX/XXXX I have started receiving calls for the same debt stating that same a warrant and default judgement being issued. I started receiving calls from XXXX XXXX XXXX say that I owe for {$1700.00} in fees to include an amount of {$390.00} being part of the original debt. I contacted Comenity Bank/Victoria Secrets company on XX/XX/XXXX who stated that they do not show a card or a past due debt referred to a debt collector. I called XXXX XXXX XXXX who stated that they have no cases or judgements pending or ever filed against me. I checked my credit reporting and no such debt shows on my credit file. XXXX XXXX XXXX, have been rude, threatening and demeaning and have not provided any proof of this debt. They have not provided anything in writing, nor over the phone when I requested both. I told them I do not owe anything and that I am not required to pay on this debt per the protections under the FDCPA. They call from different numbers, they answer the phone by saying just hello, they do not say that they are debt collectors or that their line is being recorded. I have told them I do not owe this debt and they keep calling. These companies are not practicing in accordance with the FDCPA and consumer protection laws. I am needing your assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TiXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2022-06-03
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)

AS USUAL YOU TOOK THE COMPANY 'S RESPONSE AND DID NOT REVIEW IT. THEY SENT A BUNCH OF XXXX XXXX XXXX XXXX AND DID NOT ANSWERE MY QUESTION. WHAT THEY SAID WAS JUST A CANNED ANSWER. MY INFORMATION DID NOT CHANGE ENOUGH DURING THE 3 MONTHS INVOLVED TO MAKE AN EXACT CHANGE OF XXXX POUNTS EACH MONTH FOR 3 MONTHS. 

I WILL ASK THE QUESTION I ALWAYS ASK. WHAT DO YOU DO OTHER THAN RUBBER STAMP THE COMPANY REPLY EVEN WHEN IT HAS NOTHING TO DO WITH THE QUESTION? 

THE ORIGINAL COMPLAINT WHICH WAS NEVER ANSWERED : MY CREDIT SCORE WITH EXPERIAN WENT DOWN, UP, THEN DOWN EXACTLY XXXX POINTS EACH MONTH. I CALLED THE NUMBER SHOWN ON XX/XX/XXXX TO FIND OUT WHY AND SPOKE TO XXXX. HE TOLD ME THEY CAN'T GIVE ME THAT INFORMATION AND THAT I NEED TO HIRE A FINANCIAL ADVISOR TO FIND OUT WHY MY SCORE WENT UP AND DOWN EXACTLY XXXX POINTS EACH MONTH.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (SC)

Dear Sir, Suntrust caused me the issue and should be accountable related to the {$25.00} monthly fee. It has impacted me. Please pull the call and history to see when the 800 representative closed my money market but did not inform me this would cause a {$25.00} fee from my checking account. I relied on her expertise and she misinformed me. I request a courtesy money market opened to correct this mistake, an ongoing monthly credit or to simply link my checking and my trust account to avoid the {$25.00} fee which could have been avoided. Thank you so much for your time. 

XXXX XXXX
Consumer complaint received 2021-11-15
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. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC (NV)

THIS ACCOUNT HAS BEEN REPORTED ON MY CREDIT REPORT. THIS IS NOT MY ACCOUNT. MY IDENTITY WAS STOLEN. I HAVE NOT HEARD ANYTHING FROM THE CREDIT AGENCY, AND I FEEL LIKE IM BEING IGNORED. I CONTACTED THEM ON XX/XX/2021 AND I STILL HAVE NOT HEARD ANYTHING.
Consumer complaint received 2022-12-12
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. (MD)

Im submitting this CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts and Information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$47.00} 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 XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Amsher Collection Services, Inc. (CA)

To whom it may concern A few weeks ago I received a call from someone claiming to be a debt collector asking me to pay {$54.00} and I should give her my credit card information so she can take the payment from me. I told her that I have no debt of {$54.00} from XXXXl because I never received a letter from them with my account number on it to be sure that this is a legit information. I XXXX a XXXX XXXX and my phone number is listed over the internet I received phone calls from all over the world from scammers so Im always extra careful. She called me a 2nd time and I respectfully asked her to not call me again like I always do with the scammers. 
Last week I saw my credit report and my score dropped drastically I found out that there is a new collection account on my report. 
I took a loan of $ XXXX and paid all my debts to repair my credit and I was doing pretty good. 
I called the collection company and asked them if they ever sent me a letter with an account number showing any legitimacy and they said that they did. I asked them the address they sent it to and they gave me an old address that I moved out from 7 years ago. 
I told her that the address is wrong and that they should start over the process and send me a letter to my current address and give a chance to pay for the debt if I owe it. The lady said that they will not start over the process and I must pay the {$54.00} and they will mark the collection as paid on my credit. This is more than unfair because I was never given a chance to handle this the right way and I will never give them my credit card information over the phone just like that not knowing if they are telling the truth.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Over the last 2 weeks I have sent several Unsubscribe Requests to Capital One. There are Credit Card advertisements every day that I receive to get a credit card! I don't want a Credit Card, especially from Capital One. Years ago they were very mean to me when I had a hard time financially. I paid off my account to them. They wanted to take everything from me, even my dignity!
Consumer complaint received 2019-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

Enhanced Recovery Company XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern, On a recent review of my credit report, I discovered Enhanced Recovery Company is reporting a debt that I have previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am disputing this debt in entirety. I am requesting that Enhanced Recovery Company provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Enhanced Recovery Company cease and desist from all collection activity pertaining to this account. Enhanced Recovery Company are only to contact me via mail at my mailing address. I am allowing Enhanced Recovery Company a period of 30 days to produce this information. If Enhanced Recovery Company is unable to validate the account, then they are to remove the collection account from all of my credit reports. 

Enhanced Recovery Company failure to act will result in this matter being referred to the XXXX XXXX XXXX and the Attorney Generals Office.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (GA)

There are inquiries on my credit report from companies that I've never heard of. I tried to reach out to find out who they were and who authorized them. I've had difficulty. I tried disputing as well and it's still on my credit report. These companies were not authorized to access my personal credit report.
Consumer complaint received 2022-12-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rozlin Financial Group, Inc. (NC)

Rozlin Financial Group , Inc. ( RFGI ) has been harassing me for a " debt collection '' that I never entered into with their client, XXXX XXXX. I made a direct Credit Card purchase with XXXX XXXX via their online store. I purchased with my approved credit card, and XXXX XXXX sent me my products. I thought the transaction was concluded. Almost eleven months later, I was contacted by XXXX XXXX, who indicated that through their internal process failings, they never completed the merchant services transaction. As such, they want me to pay for the products again, which sounds to me like I was expected to pay for my products twice. I refused to pay because if they had internal issues in which they neglected to complete the transaction, this was their issue, not mine. I did nothing wrong in this transaction as I considered this transaction paid in full eleven months prior. One should ask why XXXX XXXX shipped the product ( s ) when the transaction was incomplete. Plus, I could not confirm the transaction on my end as the card used was long closed. XXXX XXXX sent me to credit collections even though I never entered into a credit agreement with XXXX XXXX, and my collection was sold to Rozlin Financial Group , Inc. ( RFGI ). RFGI has been harassing me via telephone calls and threatening emails to pay for a debt that was never a debt in the first place. I have requested that RFGI only communicate in writing with me and stop harassing me otherwise. I have also requested RFGI to provide me written proof of a signed contract with me and XXXX XXXX for a line of credit for receiving their products.
Consumer complaint received 2019-10-27
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. (PA)

While doing a recent review of my credit report. Ive noticed that their are a few accounts that were disputed with your bureau ( Equifax ) that I have also submitted with XXXX XXXX and XXXX. **** These accounts are listed with your bureau ( Equifax ) as they were with the other two bureaus. Disputes were sent out to each bureau at the same time with the same verbiage. 
By law each bureau has to abide by the laws of the FCRA. 

XXXX XXXX and XXXX  are reporting different from what you are reporting. Each account on your bureau report ( Equifax ) has / had the same account number and identical information and at the end of your investigation your bureau stated that they verified it with the furniture or guarantor. The other bureau has done the same and have received different results. 

If this is the same account thats being reported by the same creditor, how are these numbers and other verbiage different? How could the verification process be the same and receive different results? How could all three bureau follow the rules of the FCRA and get three different results from all three bureaus? XXXX is responding back that the information is true and correct and has updated or deleted the item. So has XXXX! So why does your bureau ( Equifax ) find it probable cause to continue keep incorrect information and not delete or up date it if in your verbiage has been verified by the guarantor/creditor? 

( Is the bureau using a computer verifying system or is their a ****human ~~~~taking out the time to make sure that the information is correct? ) Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete these accounts immediately because of the negligence from the original creditor to the credit bureau and in inaccurate verification from your bureau ( Equifax ). 

I have enclosed a screenshot and other information for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Consumer complaint received 2019-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

Jefferson Capital Systems, Inc. 

XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom it may concern, On a recent review of my credit report, I discovered your company, Jefferson Capital Systems continues to report the collection account referenced herein. Previous disputes of this collection has not resulted in validation of the debt referenced in this complaint nor a resolution. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Jefferson Capital Systems cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from all of my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.
Consumer complaint received 2021-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, Transunion, XXXX  all three credit reporting agencies all use the same tactics disabling consumers from entering more than 210 characters when trying to file a dispute. 
This is a shameful tactic that has been allowed to go on unnoticed for so long. If we have a right to a dispute why do they have limits on how many characters are in your dispute?
Consumer complaint received 2022-01-14
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: CBC Companies, Inc. (MS)

This is the third letter I have sent to your company about unauthorized inquiries that have been made. and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports. These inquiries seem to be the result of several attempts to fraudulently open accounts. I have asked repeat to delete those inquiries. I did not initiate any of these inquires furthermore if you feel like I did please have the XXXX, XXXX and Innovis to delete them. As I plan on seeking civil liabilities if not removed ASAP.
Consumer complaint received 2021-02-16
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. (TX)

In XXXX I received an alert via Experian that a new collection account had been added to my file. I have a stellar credit rating and no collections. I immediately contacted the credit agency and spoke to the fraud dept. where there is a police report and affidavit on file. XXXX XXXX XXXX states I owe a debt for an account that was not authorize by me and being that all of my identifying information was stolen I have no idea how they are claiming this is my debt. The address that the account was opened is no account that has ever been associated with me. They have not sent me anything that validates the alleged and FRAUDULENT debt to be mine. These debt collectors have no integrity and clearly will lie to gain money.. the fact that all the credit agencies have the police report on file and the affidavit this should have been removed within 72 business hours or less upon them being notified this was FRAUD. instead they have continued to allow this to create a hardship. During these unprecedented times there should be a willingness to adhere to the fair credit reporting act in addition to the information they have on file which after my research covers the FRAUDULENT ACCOUNT. i have also filed a report on said company with the CFPB. XXXX
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (GA)

Please refer to previous CFPB report number XXXX letter attached. I contacted the Credit bureau XXXX to advised that my report was inaccurate. XXXX  shows charge-off effective as of XX/XX/XXXX this account was opened in XXXX and charged off on XX/XX/XXXX as reflected in their response in this letter. All bureaus were notified along with CFPB however inaccurate information is currently being reported.