davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NY)

I have been getting numerous calls from XXXX over the past month 4-5 times daily. I would normally ignore the call because i am unfamiliar with the phone number. The times i would answer the call no one would respond, what would happen is that the line becomes silent and then the phone would hang up. I was a bit curious of the person that could be calling and wondered if it was someone who probably changed their number or probably just an important call and so i decided to dial the number on XXXX/XXXX/XXXX after which a female voice answered and said " Is this XXXX XXXX '' so i responded and asked " Who do i have the pleasure of speaking to '' the female voice kept asking if my name is ... ... ... .., to which i responded that it is only mannerly to introduce yourself and say what you are calling about, the person still decided to kept asking me to verify my name, address, and last XXXX digits of my social, I did not verify my social but i gave my name and continued to asked what was the reason for calling but the person kept asking me to verify my address and my SSN to which i did n't. They eventually started to tell me that this is an attempt to collect a debt since XXXX and if i was ever an XXXX customer. they still refused to give me the name of the collection agency they represent and kept saying i owed {$100.00}. I told them sorry they have the wrong person because i never was indebted to a XXXX. However i told the person not to call my phone ever and i will report this call. she ended by saying that this will go to dispute. I can say with all conviction that my credit report does not indicate i owe an XXXX and i am convicted that this is a scam
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MI)

Comenity Bank/Now XXXX XXXX I have a credit card with this company. I had a 2 couch purchase in XXXX  with 0 % interest for 4 years. I have diligently paid every month for that time. My balance was down to {$100.00} the final month for which payment was due XX/XX/XXXX. My minimum payment was {$530.00}. I paid {$600.00}. Every month I pay the minimum payment and money is applied to the Promotional balance. In XXXX, {$76.00} was applied from my payment which was lower than XXXX. I figured with my paying {$65.00} over the minimum due, that that would cover the remaining {$100.00}. I called the institution on XX/XX/XXXXXXXX  to make sure that my {$600.00} payment covered the promotional balance due. I was assured in no uncertain terms ( twice ) that it DID cover the promotional balance. I asked for this to be notated on their system. The representative stated that ALL calls are notated. Today, on XX/XX/XXXXXXXX  I received my XXXX statement that was mailed on XX/XX/XXXX, stating that I still owed {$28.00} on the promotional balance and that it was due on XX/XX/XXXX. This would mean that I will likely be charged 4 figures in interest dating back to XXXX. I was diligent with the payments on this account. I verified I covered the balance, yet, this happens. 

Let me add that the XXXX statement reads as follows : " Warning : Promotional plan ( s ) ending soon, if you do not pay your plan WV INT XXXX XXXX XXXX of {$100.00} by XX/XX/XXXX any remaining balance will be assessed interest at the standard purchase APR. '' In the XXXX statement, the verbiage is changed : " Warning : Promotional plan ( s ) ending soon, if you do not pay your plan XXXX XXXX XXXX XXXX balance of {$28.00} by XX/XX/XXXXXXXX  any remaining balance will be assessed interest at the standard purchase APR. This payment needs to be IN ADDITION to your minimum payment due. Then there was some language about automated payments, which I do not have. 

The company never makes clear what amount would be necessary to pay off the promotional balance, while keeping in mind that even minimum payments have funds applied to the promotional balance. It is funny how there never was verbiage about the payment needing to be done IN ADDITION to your minimum payment due on XXXX 's statement. Also, note that the statement was mailed on XX/XX/XXXX for a payment that was due XX/XX/XXXX. 

Bottom line : I was assured on XX/XX/XXXXXXXX  that my payment of {$600.00} covered the promotional balance. I called the institution today and voiced my complaint. They stated that they have filed a grievance on my behalf and would receive a mailed answer in 7-10 days. This is my second issue with this CC company. I am going to find another CC company to transfer my balance to once they have corrected this obvious mistake. XXXX XXXX
Consumer complaint received 2023-10-26
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Revco Management, LLC (NC)

I received a text message today from Revco Solutions - Debt Collector - out of the blue. First, I find it very interesting that this does not violate the third party rule under the FDCPA as this company identifies they are collecting a debt in the text - and they have no way of verifying that I was not in a public location when I received the text. 

Second, Section 1006.6 ( d ) ( 5 ) ( i ) of Reg F indicates that a debt collector can only send a text to a consumer if a consumer has previously used the number to communicate with said debt collector via text- which I never have. 

Also, Section 1006.6 ( d ) ( ii ) of Reg F indicates that the debt collector must be able to show that they used a complete and accurate database to confirm that the telephone number had not been reassigned since the date of the consumers most recent text- I highly doubt Revco is able to provide such, since I have never communicated with them via text. If so I would love to see the evidence of their verification from that database. 

Lastly, Section 1006.6 ( d ) ( ii ) of Reg F allows a debt collector to send a text to a telephone number if the debt collector directly received from the consumer prior consent to use the telephone number to communicate via text, and the consumer has not withdrawn that consent. Revco has never, and will never have consent to contact me via text message.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I submitted a dispute XXXX/XXXX/16 and requesting information on ym report be validated with my original signature on documents and they failed to comply with my request so I sent a second dispute on XXXX/XXXX/16 and Experian sent me a stall letter stating that they have previously investigated my dispute and will not reinvestigate my dispute. I want all information that can not be verified or validated to be deleted off of my report.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$990.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXXXXXX XXXX XXXX XXXX : {$120.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/year> XXXX 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 XXXXXX/XX/year>
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX supplied XXXX with the information and failed to properly investigate and resolve the consumer disputes about the credit reporting so I am disputing report number : XXXX. 

A XXXX XXXX ( XXXX ) & XXXX XXXX were instructed to report a very old ( identity theft/scam ) closed and charged off account to Experian and XXXX, using an invasive entity called XXXX Associates XXXX XXXX XXXX another cartel ) and it recently showed up on my credit report. This company likes to use various illegal tactics ( e.g. mail fraud C # XXXX ), ToR Dark/Deep web, Cloud, IoT networks, XXXX retail purchases or discriminatory practices ( e.g. XXXX, XXXX XXXX ) etc, to set you up and illegally collect data. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, known as PRAA on XXXX ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX I, XXXX. XXXX XXXX XXXX XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX ; violated provisions of the Fair Debt Collection Practice Act and are part of a class action lawsuit pending in the XXXX XXXX XXXX. My information was also posted publicly ( I am a victim of identity theft ) on a private XXXX XXXX XXXX website called XXXX - part of the long list of illegal RICO activities from this " Church '' and their affiliates. They also put an inquiry named XXXX on my credit report but did not provide an address or any other identifiable, source, information. I filed an inquiry with Experian requesting more information on the XXXX inquiry however Experian never responded with the contact information details. 

XXXX Tops List of Banks Who Received Federal Aid - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollar government bailed out XXXX and XXXX XXXX XXXX  XXXX have a history of using RICO, deceptive and unfair practices. XXXX dollar government bailed out XXXX along with XXXX get pleasure out of targeting vulnerable consumers such as XXXX XXXX. XXXX dollar government bailed out XXXX along with XXXX violated federal consumer protection law and reported inaccurate information to the credit reporting agencies.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One credit card will not delete a closed account from my credit report on all bureaus even after it is 7 years and two months in age, and they did not uphold their XXXX insurance agreement after I became permanently XXXX. I had been cleared by their collection agency case manager in XX/XX/2019, and told I no longer was being pursued legally, nor was I responsible for this debt of XXXX due to me being totally and permanently XXXX from injuries sustained in XXXX XXXX, and the XXXX insurance. My report even shows the account was closed XX/XX/2019, however, it shows a last payment date of XX/XX/2019. So those dates are very wrong as well. I have been disputing this for years now to get this negative account deleted to no avail. This is severely impacting my credit negatively, and is unfair. Can someone please investigate this matter as I would like to avoid unnecessary future legal fees.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

I Ms XXXX XXXX finally received a document from JP Chase Bank regarding why my request was denied for a Vista debit card I never had an account with JP Chase Bank on this document it mentioned my son XXXX XXXX my was disable I was his payee plus XXXX XXXX passed away in XXXX of 2020 this matter needs to be investigated I was assigned to a case number ( XXXX ) don't know if you need this case number have any questions please feel free to contact me thank you XXXX XXXX XXXX also I receive social security retirement benefits
Consumer complaint received 2023-10-26
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

On XX/XX/2023 the associates at IQ data international Inc called my daughter XXXX and started to threaten her with her credit if the balance was not paid off. 
I called the company back and spoke with XXXX XXXX- I tried to explain the situation to him and he kept talking over me and interrupting me as I was reading the letter we received from our previous apartment complex showing we did not owe the {$2300.00}.
Consumer complaint received 2015-07-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC (WI)

I 've had a loan from LoanMe since XXXX 2015 ( formerly XXXX that was wither shut down or on the verge of being so ). {$5000.00} at over 100 %. That 's not my complaint as I knew the rate was high. 

My issue is my personal bank account linked for monthly payments was hacked into. Due to this, My XXXX XXXX payment is a bit late here ( XXXX days as of today ) as my checking account was closed by the banks fraud department The calls from LoanMe started XXXX XXXX and are relentless. Over and over on my cell and at work. As of today I am up to XXXX calls from them in XXXX days! Yes, I can prove it with my cell ID and Phone at work call history. 

Last Thursday I spoke with a Supervisor and told him my situation and intentions for payment and that it should be within a week or so as I am waiting to be reimbursed by my Bank for the " Hack '' of close to XXXX from my checking account. Additionally, I am closing on a credit union loan to pay it off in full. He proceeded to start telling me when he needed money he would go to friends or family and asked why I would n't do the same. The degrading went on and on so I finally hung up. 

Since then, XXXX days have passed and another XXXX calls from them. I finally picked up today and explained my situation again. The female rep stated I should have my money back from the bank by now and suggested we do a XXXX way call to XXXX bank and she would speak with them. I hung up on her also. 

I have never had a loan from anywhere that pulls these tactics and is so aggressive let alone tells me what I need to do to seek money from others to make a payment. And .... the payment is only XXXX days late as of today. It is n't even XXXX days late AND I have been talking with them. 

Nothing short of Loan Sharks and as worse if not worse than payday lenders with their aggressive tactics. 

And, by reading may many online reviews, I am not the only one experiencing thisShame on this Company!
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

credit item ( partial account number ) XXXX 'XXXX ' shows account opened XX/XX/2012 and reported delinquent XX/XX/2012 ; thus not allowing 30 days. and according to payment history legend the time is to be 30 days past due. therefore due process was not observed and my rights were ignored. I would like this incorrectly placed credit item removed from my record. thank you..
Consumer complaint received 2023-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol one hard inquiries I did not authorize to run my credit. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (TX)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2016-01-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (IN)

On XXXX XXXX, 2015 I was approved for a mortgage modification trial period plan by Ditech Financial LLC ( formerly Greentree ). I agreed to the plan and completed all of the company 's requirements for modification, only to receive a letter dated XXXX XXXX, 2015 from Ditech saying I was ineligible for the modification because I had not submitted all of the requested documentation! I found out at the very last minute they were denying the modification due to a lien placed on my property by the Home Owners Assoc. for past fees due, WHICH I HAD DISCUSSED WITH THEM FROM THE BEGINNING! I asked them initially if they could roll the past due amount into my mortgage modification, which they stated they could not ( so they knew about this lien from the very start ). Since Ditech said they could not roll the amount owed on XXXX fees into the modification, I contacted the XXXX in XXXX for help with the lien. When Ditech asked me for something in writing to substantiate how I intended to catch up on the XXXX fees, I had had the XXXX XXXX XXXX fax them a letter outlining how they were helping me with the issue of the HOA fees. The XXXX XXXX provided me with proof of Ditech receiving their communication, yet Ditech NEVER RESPONDED to the Clinic, but proceeded to send me the denial letter. I should be allowed to have the mortgage modification they approved me for, after I met all of their requirements. Further I will add, the exact person who was in Loss Mitigation working on my modification, NEVER personally returned my calls, nor did she EVER answer the phone. I have never personally spoken to the woman who was handling my modification, no matter how manty times I tried to contact her. All of my phone communication was done with " XXXX '' in Customer Service.
Consumer complaint received 2023-10-26
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MN)

I still can not access via XXXX phone number to dispute transactions with a live agent. Nor am I able to dispute transactions on their website or my account via their website. I forgot to look further into the dates previous to the week prior to XX/XX/XXXX. In any case, upon looking further, I am filing a dispute regarding transactions for a refund to card ending in XXXX for the following : XX/XX/XXXX - XXXX charge for XXXX XXXX {$370.00} XX/XX/XXXX - XXXX charge for XXXX XXXX {$51.00} XX/XX/XXXX - XXXX charge for XXXX XXXX {$29.00} XX/XX/XXXX - XXXX charge for XXXX XXXX {$3.00} XX/XX/XXXX - XXXX charge for XXXX XXXX XXXX, XXXX {$29.00}
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$6300.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX
Consumer complaint received 2023-07-08
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: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were number of days as late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear as late on an account that has already been paid. Kindly help me correct this account reported by XXXX credit bureaus as negative in my credit report : XXXX XXXX XXXX Balance Owed : {$33000.00}.
Consumer complaint received 2023-10-28
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. (FL)

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove, XXXXXXXX XXXX XXXX XXXX account XXXX XXXXXXXX  XXXX from my consumers report, this payment is being reported twice within another XXXX XXXX account XXXX dated the same year and month, I was never late on this XXXX account. This is against FCRA to have two of the same payment reporting on two different accounts I have never been late. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER gave you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted or late payments must be deleted immediately or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission.
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AMERICAN EXPRESS COMPANY (AZ)

After transmitting a Certified, Return Receipt " Cease and Desist Contact '' letter to XXXX. ( A debt collection agency - herein " XXXX '' ) on XX/XX/XXXX, I was extremely surprised today, XX/XX/XXXX, nearly four years after said letter was received by XXXX, to have received a call from this same debt collector. The man asked to speak to me by my first and last name, asked to verify my year of birth, and then proceeded to identify himself as being from XXXX and that the purpose of the call was to collect a debt. After confirming that the man was in fact calling from XXXX, I simply disconnected the call, and began filing this complaint.