davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc. (HI)

On XXXX XXXX 2017, I received a debt collection letter from Global Receivable Solutions Inc. This amount owed is not mine and the previous collector closed this case and so now this Global company is doing the same. I do not own a XXXX machine. I have been a victim of identity theft. I sent a Debt dispute letter to Global Receivable Solutions requesting they provide proof and validate this is in fact, my debt. I asked them to send me a signed contract agreement, a detailed explanation of how they came about this amount and proof this is mine. This company is fraudulently trying to collect money from me. And so was the previous collector. They keep changing the debt amount and has failed to provide proof it is my debt.
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Equitable Acceptance Corp (CA)

My son received academic services through XXXX XXXX XXXX. When I was referred to XXXX in XXXX of XXXX, my husband and I were informed that our son could receive one-on-one, in person, tutoring services from one of XXXX 's academic tutors for three years. The start of services were provided through a one-on-one format with one of your academic tutors, but after the eighth sessions my son was informed that he would be receiving academic tutoring services via computer format. My husband and I were never informed that academic tutoring services would be switching from a one-on-one format to a computer format. We would not have signed up for XXXX 's services if we knew that they would be on the computer and not in person. This was not the type of tutoring service we pursed for our son, and I followed up with a representative of XXXX in XXXX of XXXX via telephone requesting to terminate services, in which I was initially denied and informed that nothing further could be done because the contract date had passed to cancel. Despite our rescission of the contract in XXXX XXXX based on this misrepresentation, Equitable Acceptance, who financed a revolving credit plan for XXXX 's services, has been attempting to collect {$1500.00} from us. Attached to this complaint are copies of the billing statements and the XXXX XXXX, XXXX letter sent to both XXXX and Equitable Acceptance reiterating our grounds for rescission and describing the provisions of California 's Consumer Legal Remedies Act violated by XXXX 's conduct. Instead of validating the debt in any way or responding to the content of the letter, Equitable Acceptance instead sent a billing statement on XXXX XXXX, XXXX. I believe this was sent in violation of the FDCPA and California 's Rosenthal Act.
Consumer complaint received 2017-08-17
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: Advance America, Cash Advance Centers, Inc. (TX)

The company call today and said that they will be delivering me documents filed to take me to court and could deliver at my job. The name of the company is not mention, only the debt they are collecting for Advance America, XXXX XXXX XXXX XXXX.
Case XXXX. Stating this is for fraudulent check wrote to the pay day loan place
Consumer complaint received 2017-07-27
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. (AR)

Good Afternoon, My name is XXXX XXXX, and there are XXXX hard inquiries on my Transunion credit file. The inquiries are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. I have called these companies, and they have told me that they have anything in their systems says that I applied for their services. I 've called Transunion multiple times trying to get these inquiries removed. They told me to call the companies, but this has not helped. I would like all of the inquiries removed from my credit file within 5 business days of this complaint. My phone number is XXXX. My email address is XXXXXXXXXXXX
Consumer complaint received 2017-08-17
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. (SC)

Disputed an Equifax report inXX/XX/XXXXwhere I disputed a foreclosure on my report however the account could not be verified by the correct mortgage company. Equifax is stating that the account was verified however I have a letter from XXXX XXXX stating they have never been in control of the account which was held by XXXX XXXX. XXXX went bankfupt in XX/XX/XXXXtherefore the account can not be verified with the dates, loan amounts etc ... .This is required by law.
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (CO)

XXXX ( did not give last name ) purportedly from Jefferson Capital Systems out of XXXX called on XX/XX/XXXX attempting to collect a debt created with XXXX XXXX system with a balance of {$1700.00} on an account from XX/XX/XXXX - XX/XX/XXXX last payment made in XX/XX/XXXX, and wanted to know how I intended to pay off the debt. She indicated acct number ended in XXXX when asked for acct information. ( Did not provide other information even when asked. ) I was transferred to a XXXX XXXX who was supposedly a supervisor. He indicated that the last four digits of client ID # was XXXX. He indicated that the debtor 's name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and that the debtor lived at XXXX XXXX XXXX in XXXX CO. He attempted to obtain all or part of my SS # more than one time. He also said that the debt had been purchased from XXXX XXXX. When asked he gave an address of XXXX XXXX XXXX , XXXX XXXX Minnesota XXXX. The company attempted to collect a debt from me. The company identified a debtor, their address, and the amount he owed. The company attempted to get personally identifiable information from me.
Consumer complaint received 2017-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

MY MAIN COMPLAINT THAT I AM REQUESTING YOUR HELP WITH IS THAT XXXX VIOLATED THE FAIR CREDIT REPORTING ACT, SECTION 623 ( a ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICES ACT, SECTION 807 ( 8 ). THEREFORE, THEY MUST REMOVE THE ITEM FROM MY CREDIT REPORTS. THEY COMPLETELY IGNORED MY LETTER TELLING THEM THEY VIOLATED THE ACT AND THAT THEY MUST DELETE THE ITEM FROM MY CREDIT REPORTS. IVE NUMBERED EACH DOCUMENT THAT I WILL BE UPLOADING.
DOCUMENTATION # 1 THIS IS THE FIRST LETTER I SENT DISPUTING A DEBT ON MY CREDIT REPORT. THE FULL LETTER WILL BE UPLOADED FURTHER IN THE COMPLAINT. FOLLOW THE UPLOADED DOCUMENTS 1-5 TO GET THE WHOLE STORY.` XXXX/XXXX/2017 **XXXX XXXX XXXX XXXX XXXX, WI XXXX  Re : # **** To Whom It May Concern : This letter is regarding account # ****, which you claim I owe {$300.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
# 2 COPY FROM US POSTAL SERVICE COPY OF SIGNATURE AND RECEIPT OF CERTIFIED LETTER ON XXXX/XXXX/2017.
# 3 LETTER FROM XXXX INDICATING THEY DEEMED MY COMPLAINT FRIVOLOUS OR IRRELEVANT, DATED XXXX/XXXX/17 AND RECEIVED BY ME ON XXXX/XXXX/17.
# 4 & # 5 LETTER FROM ME TO XXXX INFORMING THEM THAT THEY HAVE VIOLATED THE FAIR CREDIT REPORTING ACT AND A COPY OF XXXX ON MY CREDIT REPORT **Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX-XXXX-2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2017-08-17
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: CITIBANK, N.A. (SC)

I signed up for a Citibank card at Best Buy with an 18 month promotional balance ( XX/XX/XXXX ), though it is a card that can be used anywhere. I was informed that cash rewards would be credited to the account. I never received any rewards. I paid off the promotional balance ( as of XX/XX/XXXX ) and began using the credit card ( as advised in order to receive rewards ). After the 18 month promotional balance, I was charged interest as though the promotional balance had not been paid off. I contacted the company on 3 separate occasions, first to understand why I was charged such an outrageous amount of interest, then to prove to the company that I had paid the promotional balance, and lastly, to inquire about closing/freezing the account. Customer service was incredibly rude and offered no options for correcting this. They informed me that they could not see prior to the past 6 months, but then told me that the promotional balance was never paid ( seems difficult to see if they can only see the last 6 months ). I am now waiting 8-10 business days to receive all statements ( paper ) since the account was open to present back to the representative.
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

Currently reported to collections an account older than 8 years old. Card amount is settled on my XXXX XXXX report original creditor XXXX XXXX. {$700.00}. XXXX XXXX XXXX was paid {$700.00}. In 2015. Basically, I have had this account already removed and settled on both my XXXX XXXX and XXXX  reporting agencies. Simply due to the age of the account it should my show up as new without my receiving the paperwork needed to settle this account. I requested the paperwork be sent to my home on the date it appeared on my account. So far nothing
Consumer complaint received 2017-08-17
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: Experian Information Solutions Inc. (AL)

XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from severe XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate
Consumer complaint received 2017-08-17
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: EQUIFAX, INC. (AL)

XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (IN)

I am a veteran, and college graduate. I feel that i have been mislead and deceived by Regions Bank in an attempt to take my home in foreclosure. For the past months I have been waiting for Regions to modify a loan or simple give me a yes or no answer on my multiple applications. I inherited the house from my father and the loan was in his name. On XXXX/XXXX/17 I faxed 24 requested to documents that were requested by Regions. I was told the process could take up to 45 days for the loan modification application. I could have but did not pay the back mortgage amount because I was waiting for a decision. I called In XXXX.I was asked again to submit the same packet of documents and a transfer of real estate document.I waited and again no response or decision. I contacted an attorney and called only to be told that they would only speak with my attorney. I was told that loan modification would allow me rewrite the loan in my name and not have to to pay the back mortgage. No response or explanation. This delay has only put me further behind and I now had to pay property tax on the house and other properties to avoid a tax sale. I owe XXXX on a house that is valued at XXXX. This a deceptive practice and I feel that the goal was extend the process for profit and foreclose..
Consumer complaint received 2017-07-27
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: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards. A Comenity Capital Bank card/Virgin Airways card was applied for XXXX/XXXX/2016 however the application was not approved but the fraudulent inquiry was found on her XXXX credit report. A dispute of this inquiry was sent to Comenity Capital Bank as well as XXXX however the inquiry was verified as " accurate '' even though a police report was provided indicating this activity was fraudulent which is a violation of the FCRA.
Consumer complaint received 2017-07-27
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: EQUIFAX, INC. (CT)

Defamation of Character and credit worthiness!! In efforts to regain custody of my life and credit I have begun my process of rectifying inaccurate information on my reports. I have sent multiple letters and placed many phone calls to solve these issues with no success. The law is very clear as to the civil liability and the remedy available to me under FCRA section 616 & 617 if you fail to comply with federal law.
Accounts : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-27
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. (TX)

XXXX does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas onXX/XX/XXXX,2016. There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my XXXX, Transunion, XXXX should be XXXX XXXX XXXX and XXXX XXXX XXXX. All other creditors was included on bankruptcy chapter XXXX and XXXX data should delete all discharged creditors. XXXX is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.
Consumer complaint received 2017-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters of dispute on XXXX XXXX and XXXX XXXX of this year to Trans Union regarding their failure to remove my account from their reporting and showing a derogatory that is more than 8 years old which by law must be removed after 7 years from the first " late '' payment. This was a XXXX XXXX credit card account that was closed some years ago.. XXXX XXXX  replied to T.U. that they would not remove the account/derogatory at this time.
Consumer complaint received 2017-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX/XXXX/17 I payed on XXXX {$1000.00} for 3 rooms for a 2 night stay at a 4 star hotel on the XXXX XXXX strip. I purchased it through XXXX XXXX " hotel express deal. '' The name and location of the hotel is not advertised but the star rating and amenities are supposedly guaranteed. I was assigned the XXXX XXXX XXXX and XXXX which is not located on the strip and lacks the amenities typical of a 4 start hotel in XXXX XXXX. There is no resort, only a small pool. The hotel is not located on the strip. I immediately contacted XXXX to cancel the reservation as it did not meet the expectations based on their advertisement. They refused to cancel. I contacted Capital One and went through their dispute. I gathered pictures and reviews from several websites and submitted those to capital one. The reviews confirmed the lack of amenities and the location of the hotel not being on the strip. There are many people that have been assigned this hotel through that deal, which in my point of view seems like a bait and switch tactic, promising 4 star hotel on the strip and instead getting a hotel 30 minutes walking distance from the strip, that caters only to XXXX tourists and lacks the amenities of a 4 star hotel. Capital one did initally credit me back the disputed charge but XXXX did a chargeback. I again disputed the charge along with supporting documents of reviews and pictures of the hotel, in XXXX but was again charged back. After they reviewed my documents they requested additional documentation, a second opinion on the rating of the hotel by a XXXX peer, which I was unable to provide in the allowed time, about 10 days. They have now closed the case and expect me to pay the amount.
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (DC)

Synchrony Financial sent a letter with a credit card in my name that I never applied for to be activated. I called Synchrony Financial and they requested personal information such as a social security number to continue, to which I declined. I searched my records and found Synchrony Financial 's credit card was very likely issued to me via my Amazon account. Both Synchrony Financial and Amazon have been deceptive : the former in their attempt to get me to sign up and Amazon in failing to disclose they have sold or disseminated my information to a third party.