davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for 7 years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.
Consumer complaint received 2015-08-10
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (IL)

Applied for a Macy 's account in store. The representative assisted me with applying for there Macy 's XXXX. Got a receipt showing that it was approved for {$600.00}. 

When I called in to discuss the credit line ( which was substantially lower than any other card I have ) I was actually only approved for the store card, and someone can not get approved for a Macy 's amex before they open the Macy 's store card and that my application was not submitted for the Amex. They did offer to apply for the Amex over the phone, but that it would be a separate account. 

I feel like this is deceptive marketing tactic. One should not be required to open a store card in order to get a co-branded card. I also feel as its deceptive to print out at the register a receipt that says you approved for something you applied for when its a different product with out informing the customer or it reflecting on the receipt that a different product was opened than what was originally applied for. 

I also do not like the fact that the credit line can not be re-assessed by anyone manually. I was told it 's all done systemically, and based on debt to income ratio 's. my next lowest credit line is {$4500.00}, {$600.00} is just simply to low of a credit line for me to carry in my wallet.
Consumer complaint received 2015-06-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Radius Global Solutions LLC (IN)

On XXXX/XXXX/2015 at approximately XXXX, I called Central Credit Servcies LLC at XXXX to make a couple payments ahead on my account. The lady that answered sounded like she had difficulty looking up my account. I had to give her my social security number about XXXX times for her to get it clear. Then she acted like she could n't find my account. I 've called before and they have it up on the screen where all I have to do is verify it. Then she said I have to CALL MONDAY to figure out what happened to my account. She asked for my account number, I gave it to her and she hung up. I was n't rude and do not understand why I was treated like this. I understand it was close to then end of business hours but had she not procrastinated, the payments would have been made. I take her actions as payment refusal and feel Central Credit Services LLC should free me from my loan. I called to make a payment and was refused.
Consumer complaint received 2015-07-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (VA)

I received a collection letter from Resurgent Capital Services attempting to collect a debt. Upon review of my records, I could not find evidence of that debt. I wrote to them requesting the verification of that debt. I received a reply today but the debt and creditor were unfamiliar to me. The alleged debt was originated in XX/XX/XXXX. I have never had a credit account with the original creditor reported. The debt was charged off in XX/XX/XXXX. The debt is not mine
Consumer complaint received 2015-04-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ESCALLATE, LLC (IL)

i been paying this sence XXXX i asked them to send bill. they said no. just send money. they wont send a bill but will add interest and late charges. i dont know how much i owe anymore. it 's been along time.
Consumer complaint received 2015-07-27
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

My grandmother received several emails from MoneyGram stating that her account had been created, a transfer had been requested, the transfer had failed, and more information was needed. My grandmother does not know the sender and she did not set up an account with MoneyGram using her email address. I emailed MoneyGram indicating that I was reporting possible fraud. I received an email back indicating that I must be searching for a locations and the email gave me directions on how to find them. I called into MoneyGram and indicated that I was reporting possible fraud. The XXXX rep was marginally helpful. The XXXX rep would not discuss the " account '' with me. I tried to explain that I 'm not trying to discuss an account, I 'm trying to make sure no one is using my grandmother 's information to send money. The only " resolution '' ( I use the term loosely ), the rep could offer was that my grandmother had to call in herself. I asked what, if anything my grandmother could do if she called in ( clarifying that I was asking about the standard procedure, not any details related to the account ). The rep said she could n't give me any information and that my grandmother needed to call back in.
Consumer complaint received 2015-10-19
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (DC)

I am writing because Western Union is not taking sufficient steps to prevent fraud or identity theft against consumers. I received a letter in the mail stating that I had transferred funds on a specific date and that these funds had not yet been retrieved. As I had never transferred funds through Western Union, I contacted their Consumer Fraud Hotline. After explaining the situation and citing the specific letter I had received, the representative was able to tell me the location of the transaction and that cash had been sent using my name, address, and date of birth. I explained that I had not made that transaction and that I did not know the person to whom the funds had been transferred. Even after explaining this, the representative failed to even apprehend that I was trying to report a fraud. He simply offered to refund me money. I explained that I had not actually lost any money, as someone else had sent their own cash using my name, and that I simply wanted to report fraudulent activity. He stated that all Western Union could do was to block any use of Western Union under my name ( such that, even if I myself wished to use Western Union in the future I could not do so ). I asked if there was any way to notify me if someone tried to use my name in the future. He stated that there was not. I then asked if he could send me some confirmation that any use of my name would be blocked in the future. He stated that they did not have the capacity to do so. I asked to speak to a supervisor and he also refused to either send me written confirmation that use of my name to transfer funds would be blocked in the future and also stated that they could not notify me in the future if someone attempted to use my information to transfer money. I expressed concern that this was inadequately protective of consumers and the supervisor still stated that there was nothing more that he could do. He did not offer to open an investigation into the individual who had made the transaction ( even though the name of the recipient of the fund was listed on the letter I received and provided to Western Union by me ). This supervisor 's name was XXXX and his identification number was XXXX, a supervisor in the Consumer Protection Unit. The conversation took place on XXXX/XXXX/15 at about XXXX XXXX.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-03-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

I received a letter in the mail stating I had a ticket that I owed money for. When I called to find out what they were talking abut they said it was for a speeding ticket in Illinois in 1999. I was nowhere near there at that time.
Consumer complaint received 2015-11-20
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (NM)

Green Tree Services had excepted a payment in full and left with just about nothing. Yet they still have a negative on my credit report. XXXX XXXX was going to give me XXXX funds to relocate and XXXX decided they did not want this considering they were not going to get their full payment. So I was forced to settle for XXXX, not once did I have anyone come to my defense in order to get me what could have gone a long way. Malicious acts from those who have power. On top of not giving me the funds, I am stuck with a negative on my credit report till 2020. Some justice.
Consumer complaint received 2015-10-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I keep getting calls from MCM ( Midland Credit Management ) and sometimes calling themselves XXXX. I believe these are related companies. 

I only returned to the XXXX in XXXX 2015 after living XXXX for over 20 years, and have no outstanding debt overseas ; in the XXXX, I have XXXX long term loan ( a car partially financed through XXXX ) and a couple of credit cards ( all of which are known and show up on my credit reports ). I have no other debt - no mortgage since we bought our house for cash, no student loans, or any other type of loan at all. 

MCM refuses to give me the last for digits of the SSN of the person they are calling. Further, they have said that they will take my number off the call list, but this clearly DOES NOT happen. 

I have told them - each time - that they are calling the wrong person, that I have no outstanding debt, and that they do not show up on my XXXX or XXXX Credit Reports. 

They continue to call, looking for a person with my name - and I admit it is a fairly common XXXX - but it is not me. My XXXX reports appear to be accurate ( there are no outstanding debt or unresolved credit issues ) but their continued calls are hugely annoying and verge on harassment. 

Finally, I tried to call the number on their website to speak to a CS representative, but they would not pick up. 

MCM/XXXX need to cease and desist this harassment immediately, but they do not appear interested in getting the facts straight.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This complaint to EXPERIAN for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I pay off my credit card bill every two weeks when I get paid to help improve my credit and make sure that I do n't fall behind in debt that I can not afford. Capital one placed a hold on my available funds for a week because I made more than one payment in a month. They said it was out of protection for me, however, I believe they are abusing their power and punishing me for paying off my bill before interest charges could accrue and compound.
Consumer complaint received 2015-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance One, Inc. (NY)

In XXXX of 2015 my credit monitoring company notified me that my credit score dropped from XXXX to XXXX. I gained access to my report and found XXXX accounts reported by Alliance One Receivable. I contacted the company and asked what it was and they told me it was a debt to XXXX county. I asked what it was for and they could not tell me. I told them that I never received notification from them that I was in collections, or that they would be reporting to the credit bureaus. Further I was not notified of my right to dispute it. I asked the company if they could provide proof of mailing and they could not. To this day I still have not received any information from this company nor any attempts to collect the money however my credit reports remain tarnished by these accounts that I know nothing about.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: World Acceptance Corporation (GA)

World Fin, WORLD FINANCE, WORLD FINANCE CORP. : This company has listed their company on all XXXX credit reports with the same amount multiple times. This debt has been resolved over 8 years ago in my chapter XXXX bankruptcy filing. I have called and complained to the company about removing their information off my credit reports several times and they have dont nothing about this. In fact what they have done is continue to report as if I still have an open line of credit with them as active and paid on time status. This is false. I have no active accounts with them nor I 'm I paying them. This debt was included in my bankruptcy years ago. I would like it if they can be removed it has been over 10 years and they are still reporting inaccurate and false information. This company prays on low class people who need money and they offer predatory lending and high inrest loans. The company has been extremly crafty by listing their company XXXX different ways on my credit filing. They are listed as : WORLD FIN on my XXXX and XXXX dated XX/XX/XXXX showing paid XXXX status as agreed, this is incorrect. This balance has been paid off XX/XX/XXXX. They are listed again as WORLD FINANCE showing paid XXXX as agreed on Experian report dated XX/XX/XXXX this is incorrect this was paid off XX/XX/XXXX included in chapter XXXX. They are listed again on my XXXX report as WORLD FINANCE CORP. showing paid XXXX as agreed. So as you can see they have multiple listings of the same debt listed under the same company name many different ways. Please have them remove this.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

I closed my account with Citicard XX/XX/XXXX. I had been a loyal customer of Citicard since XX/XX/XXXX, and received paper bills and paid them in a timely manner every month for 14 years. After I closed my account, I cut up my physical card, and stopped using the account. Unbeknownst to me, there was a small balance - under {$10.00} - remaining. I did not receive a paper bill to indicate there was a balance. I received a call from a collection agency saying I now owe over {$88.00} which includes XXXX charges of {$25.00} for late payment - plus interest. My card has been closed! They say I switched to e-billing. I assured them I had not since I get ALL my bills from every vendor mailed to me each month.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( XXXX XXXX XXXX ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2015-06-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

We short sold our home in 2012. PNC Bank was the lender for a XXXX ( Home Equity Line of Credit ) on our home. They have incorrectly reported the loan on our credit reports. We ca n't get a loan to buy a home again unless they provide a letter stating that the HELOC was NOT a charge off, but a short sale. They also incorrectly show XXXX accounts on our credit reports, XXXX with the correct account number and the XXXX with an attenuated account number that have each been reported differently ( XXXX shows a {$0.00} balance and the other shows an unpaid balance ). They are XXXX IN THE SAME account. I ca n't get through to a sentient human being inside PNC Bank to TALK to anyone about getting a letter drafted that states this. They have no email address, no fax numbers, no mailing address, and phone numbers that put you on hold forever, require an existing account number or SS # to talk to someone, and do n't put you in touch with someone who understands what we need or how CRITICALLY IMPORTANT it is for them to correct this error on our credit report and provide us with a letter. We are a family of XXXX trying to buy a home again, but are unable to get a lender to consider working with us until this is resolved. PNC BANK SHOULD NOT HAVE THIS KIND OF POWER OVER US!!! We need a roof over our heads.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

SPS Servicing frequently calls my home phone and when I answer the person who called me has no idea my they called. SPS states that their computer told them to call me. I wish this practice to stop. I would like SPS to know why they call me.