davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MS)

We received a letter from a debt collector ( National Credit Adjusters , LLC ) that says we own more than 700 hundred loan related to my property from a loan company XXXX XXXX XXXX XXXX XXXX XXXX ) that we never know. We are trying to dispute it. The debt collector ask us to provide FTC Identity Theft Report that specifies the original creditor and original account number.
Consumer complaint received 2022-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc. (IL)

I received medical service by a covered provider on XX/XX/XXXX. The provider sent my labs to an outside company by the name of XXXX XXXX XXXX. In late XXXX of XXXX, I received a collection notice for {$620.00} adjusted down to {$500.00}. The collection company is Keynote Consulting. They called me to collect on this debt before they ever mailed me anything. I told them I was not comfortable paying anything over the phone, and did not have any bills I was Aware of in collections. I never received a bill in this amount from XXXX XXXX XXXX ( XXXX ) Keynote Consulting provided me with verification of debt in the form of a bill that was dated XX/XX/XXXX, XXXX months after the date of service. The bill has a line item/note that made it seem as though maybe my insurance denied the claim in XXXX, however my insurance never received a claim from XXXX, which is now out of business ( as of XX/XX/XXXX ). I am trying to explain this to Keynote Consulting, and have attempted to reach out to XXXX via email ( only received 1 response from them, so I know they received my emails but they did not Provide me with the proof of filing to my insurance as I asked ). There is no longer a working number for XXXX, and Keynote Consulting has told me they are in contact with XXXX, but refused to help connect me to them to get this resolved. My insurance company states that if XXXX did not submit a claim, I can not be helped responsible for the bill they would have otherwise been covered. Keynote Consulting says there is nothing they can do, and will send me to collections if I do not pay.
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

I received an alert on my credit that my score dropped 15 points. I checked my credit found company Afni Inc. located In XXXX IL. Ive never received any calls from this company or the original creditor which is XXXX. Debt is from 2014. Im not aware I had a balance with the original credit I do not feel like I owe a balance. I called Afni and told her was not notified she confirmed that no letters had been sent out. I informed her Im a Collector myself and Im aware of the fdcpa laws and this needs to be removed she said she will send a notification to the credit department to have it deleted since I was not notified. I explained to her I did not owe a balance asked her what was the charges she said did not have a breakdown of the charges because the debt is over 5 years old. Asked her how can they collect on something that they can not provide proof of what the debt is exactly for she said well if you give me your card number and pay this I can have it deleted told her Im not paying for something that she can not give me a breakdown of charges as to what Im charged for. She did tell me debt is from XX/XX/2014 and that she does she a payment made ok XX/XX/14 which was a large amount I asked was it for equipment because Ive returned all equipment she said like I said I cant give you that information. This has damaged my credit greatly and something needs to be done about it ASAP.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have reached out several times attempting to have my personal information updated on my credit report as well as report fraudulent information listed on my credit report. I keep getting letters stating that the information is valid and verified as accurate but no one can tell me how the information is being verified. 

I have never been affiliated with the addresses that I have listen on the template attached with this complaint as well as I have never been late with any payments. I asked to that the fraudulent information that states included in bankruptcy be verified with my signature and I havent received that information yet.
Consumer complaint received 2022-07-01
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

1.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
2.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
3.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
4.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
5.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
6.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about or approve of. 
7.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
8.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
9. hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
10.hard enquiry were made on my social security in day by XXXX XXXX XXXX XXXX XXXX to XXXX different credit company which i did not know about.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

Tried to pay my past due of like XXXX bucks since XX/XX/XXXX. I still can't get through the phone system or website on XX/XX/XXXX. I will be 30 days late on XXXX of XXXX and I can't talk to anyone or try and rectify the situation. 


No phones, no updates, no help for like a week.
Consumer complaint received 2021-12-08
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. (LA)

Experian and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Consumer complaint received 2022-02-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX XXXX  XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

For at least 7 days now, Comenity has been down. I ( and most others ) have been unable to access our account. I can not download statements, make payments, etc. Comenity has not reached out to any customers. They are tweeting the same regurgitated responses about a system update. They claim that the phone number on the back of the card works, when it doesnt. There are technical difficulties. They are also only waiving fees for late payments due on XX/XX/XXXX & XX/XX/XXXX, when the system has been down longer than that.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Subject : Cease and Desist Request Regarding Capital One - False Late Payment Reporting To Whom It May Concern, I am writing to formally request the intervention of the CFPB regarding an issue with Capital One. The bank has falsely reported a late payment on my credit report, which has negatively affected my credit score and financial standing. 
I wish to bring to your attention that this action may violate 15 U.S. Code 1666b, which governs the timing of payments and the assessment of late fees for credit transactions. According to this statute, creditors must comply with the requirements regarding the posting and timing of payments to avoid the unlawful imposition of late fees. In my case, I have made all payments on time and in good faith, and the reporting of a late payment is erroneous and without basis. 
Despite my attempts to resolve this matter directly with Capital One, they have failed to correct the mistake. I respectfully request that the CFPB take immediate action to cease this false reporting by Capital One and require the removal of this incorrect late payment from my credit report. 
Thank you for your prompt attention to this matter. I trust the CFPB will help ensure that my rights under federal law are protected.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am contacting you about the compromising of my social security number. I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department. Please block and remove all information fraudulent information from my credit report! The following items do not belong to me and is a result of fraud that I did not authorize. 


Fraudulent Inquires stated below XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX/ Closed accounts XXXX. XXXX XXXX XX/XX/XXXX {$970.00} 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NOTE/WARNING : DON'T REMOVE ANY ACCOUNTS THAT I HAVEN'T LISTED ABOVE BECAUSE I AM BUILDING A CASE ON THIS FRAUDULENT ACTIVITY AND SOMEONE WILL BE PROSECUTED AND SUED FOR TAMPERING WITH MY PERSONAL INFORMATION FOR THEIR OWN PERSONAL GAININGS. SO THERE IS NO NEED TO MAKE MATTERS WORSE BY REMOVING ACCOUNTS THAT ARE ACTUALLY MINES ON MY CREDIT PROFILE. THANK YOU!!! 

Please block and remove all information resulting from Identity Theft Pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states thst these accounts must be removed within 4 Business Days of Receipt. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-07-02
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without written instructions or my consent.
Consumer complaint received 2022-09-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (IL)

I received a collecting notice from LVNV funding XX/XX/21. I went through and still currently going through hardship. After receiving letters from them. I went to a 3rd party company XXXX to help me dispute this and they were able to help me close the account. This account was closed and settled a year ago but yet it is still affecting my credit report.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

COMENITY BANK has been down for over a week. Nothing works. I have payments due on the XXXX of XXXX that i always pay early to avoid interest. Due to their incompetence of having their website/phone system down. I have no way of making a payment. I cant even log in to see how much is owed. There are literally thousands of customers in the same boat if not millions who cant access their accounts. I shouldn't have to sit on my PC all day long to try to pay a bill This is having an impact on 2 store cards for me which are XXXX XXXX XXXX XXXX credit cards. I am missing out on paying less interest and now will probably be penalized by their automated system for being late since its not my fault their website and phone systems are down. You cant even reach a live person atm.
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (IN)

I have never had an account with XXXX or XXXX XXXX. The only thing I have ever had with them was a free trial that was cancelled in XXXX of 2020. They continued to try to charge me father the three day trial and after their gyms were closed. I do not and will not ever owe a balance to them and will never pay a balance that they say is owed. 

I do not care if I have to escalate this to highest of courts but they will not get any money out of me in an attempt to collect a false debt. I have not and will not ever pay Aldous and Associates as this is a false debt that I have expressed many times. I dont know if XXXX participated in Identity Theft but this is highly illegal and there will be a cause of action.
Consumer complaint received 2022-07-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp. (UT)

I received a repossession notice in the mail on the XXXX of XXXX of 2022. Which gave me 3 days over a holiday weekend to come up with the money. The letter was dated on the XXXX of XX/XX/2022. The letter says that I have 13 days from the date of the letter to make a payment on the amount that is past due. It appears that they held onto the letter for several days before it was put in the mail since it should not take until the XXXX of XX/XX/2022 to receive it. If it was mailed on the XXXX of XX/XX/2022.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Credit and their attorney purchased a closed account from XXXX XXXX and parked it on my credit reports and reporting inaccurate status as opened and current as of 2019. When disputing it with bureaus they refuse to change their status. I also sent them a letter of judgement proof because I am only receiving social security XXXX and they have initiated a small claims court case. Also they have been collecting credit reports without my permission.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (ID)

I called Citi Financial for my XXXX Best Buy credit card to increase my limit an additional XXXX after doing so online requested me to call. I was told on the phone the number they have doesn't match XXXX and I need to call them. I advised that my phone number has been the same for years and the same one used when I first signed up for the account. I checked XXXX and they have the right phone number. I asked to speak to a supervisor and was hung up on. I called back and spoke to a supervisor and waited on hold over an hour after that to speak to someone in Consumer Protection. I advised I have an initial fraud warning with the bureau 's but all that needs to be done is my identify verified ( according to the XXXX XXXX ). They verified my identity by asking for a code that was texted to the number they said did not match. I was then transferred back to a representative to continue with the increase request. The increase request was again denied due to having a phone number that doesn't match and requested I contact XXXX after already having verified the number is right. I was explicitly told the second time that my credit is not being pulled which was incorrect as it was according to XXXX and the fact that Citi said the number did not match again. They claim this was done via the online request but was not given an opportunity to authorize any such credit inquiry. They are in violation of FCRA at this point.
Consumer complaint received 2022-04-01
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. (MI)

On XX/XX/2022 I hand wrote a dispute letter to Transunion to validate several accounts on my credit report. The letter was mailed certified on XX/XX/2022 and received by an individual on XX/XX/2022. On XX/XX/2022 I received a letter from Transunion stating they would not process my dispute because it appeared to have not directly come from me, and indeed it was me. I sent another letter certified mail stating i did request account validations and on XX/XX/2022 I called Transunion to confirm I was the individual that sent the dispute letter and request that they process the letter that was received by certified mail. The agent refused to confirm they still had my letter on file and to process it. I was told he would only do the dispute by phone. I would like my original request for debt validation to be processed
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advanced Collection Bureau, Inc. (GA)

Advance Collections has violated my account " I was told that before a collection agency puts an item in collections they must notify me 15 days prior to placing that item on my credit report. They did not do that. '' Can you please investigate and if found in violation remove this collection as my legal rights.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

According to 15 USC 1681 an account can not be furnished on my consumer report without my consent. I have not given any consent to XXXX XXXX or XXXX XXXX XXXX to furnish these accounts on my consumer report. Furthermore they are charged off and are reporting incorrect balances to the credit bureaus. I have also not received my 1099c which is required to be sent to the consumer once the account is charged off. By law they are required to notify me once the accounts have been charged off and have failed to do so, therefore Im motivated to seek monetary relief of these accounts.
Consumer complaint received 2022-07-01
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. (NV)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Account ( s ) : Account # XXXX Original Debt Collector : XXXX XXXX  Debt Collector : XXXX XXXX XXXX Amount : {$1300.00}
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My Mortgage Company and I have had a tumultuous relationship since they bought my Mortgage Contract from another Lender in 2006. I'm sending now as back-up, a letter I had written to CFPB on XX/XX/XXXX. It seems the letter had been ignored my the CFPB because it did not adhere to the preferred 'complaint protocol '. 

The letter details a history of my ongoing relationship with my Mortgage Company ; XXXX, now in its 15th year. Although a recent Court Case prompted XXXX 's removal of a Foreclosure and spurred a Loan Modification, XXXX had decided to create a fictitious debt which they are exploiting on their Monthly Statements. 

It is my guess that this fictitious debt serves to keep me in a 'default ' status, since my refusal to pay it will give them cause to compound the amount until it appears I am in the wrong. This fictitious amount is shown as a line item on my monthly statements, and it is named : 'Assessed Expenses ', in the current amount of {$1000.00}. 

Please refer to my attached Letter, and XXXX Statements for additional information
Consumer complaint received 2022-07-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc. (CA)

XXXX XXXX I called many times told them I never opened XXXX check my estranged wife XXXX XXXX. I have XXXX XXXX  & they never listened. I talk to them or collection just wants money. Its horrifying