davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (SC)

There are multiple problems with this collection. 
This collection is showing as an OPEN tradeline account on my XXXX report, not listed under collection accounts. Account number listed as XXXX. 

The charges in this collection are not valid and are inaccurate. I closed this account due to charges showing up that I did not know about or authorize, after making my last payment I told then to close my account. As XXXX was sued for cramming and settled, I believe that explains the billing issues I had with them. I was also not aware of any collection actions for an amount I do not owe until reviewing my credit report on XXXX/XXXX/2015. I never received a notice of my right to dispute this information. If information was sent it never made it to me.
Consumer complaint received 2016-12-01
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

trying to log in to my bank for almost week. I called 3 times and get the same XXXX XXXX people are aware of the problem, and they are working on it.. I need to get in to my accounts. I have to pay bills etc. I do not think that their issues should affect me..
Consumer complaint received 2023-05-24
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 was contacted by XXXX today regarding a previous issue that has been reported. We were unknowingly signed up for estatements. We don't do estatements never have and never will. Why? Because those will go often into junk email and will get overlooked or automatically deleted. 

XXXX states we signed up for estatements in XXXX of XXXX. Neither my wife nor I signed up KNOWINGLY. They claim they sent an email indicating that we were signed up, again, if we UNKNOWINGLY signed up, we would never see that email because it would-likely go into JUNK email. 

We missed a single payment because of this. Did XXXX send out a letter indicating that we had missed the payment? They did now. Did they send out a letter asking if we meant to sign up for estatements? They did now. Sending an email that wouldn't get read is not doing their due diligence. 

What's more, they claim they made 10 calls to my cell phone to try and let us know about the late payment. This is the first time they have stated this. If they did ( and I have no missed calls from them. I have attached a call log for my phone that they " reached out '' to me. I have no messages from anyone at XXXX ( and the woman I spoke with today did not indicate WHY they would not leave a message which other credit card companies DO. I doubt that they called. Here is my call logs going back a month ) I am more than willing to provide XXXX with a copy of voicemails left if XXXX and CFPB would like to have them. There are NO MESSAGES from XXXX and I have only 1 phone call that I received from them when it was 30 days past due. 

XXXX should also have reached out by mail and should automatically do that whenever there is a problem reaching a customer. It's the right thing to do and they didn't do it. The lady I spoke with today had no reason why they wouldn't do that either. I had also indicated that, if we unknowingly had signed up for estatements ( and I don't believe we did-I personally believe that the department that handles that had someone in house do it for folks because they are being incentivized for it like many companies are ).
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened an XXXX Mileage credit card issued by BankofAmerica on XX/XX/XXXX. The welcome bonus is XXXX miles + {$100.00} credit after {$1000.00} spending in the first 3 months. I checked with the customer service on XX/XX/XXXX and the CSR told me that I met the spending requirement and the bonus should be posted in 1-2 billing cycles. The CSR also help deal with some wrong fee charges. I also checked that the total charge on my account since XX/XX/XXXX is over {$1000.00} and I think I am good to go. However, I checked with customer service earlier today to see the status of my bonus and was told that I did n't meet the spending requirement and the info provided to me last time is wrong. The difference is from the annual fee charge and it does not count towards the spending requirement. While I agree with that, I find it not acceptable for the CSR to provide me misleading information in the first call and the wrong information caused my failure to meet the spending requirement in time ( I have another few days to meet the spending requirement if I was told the correct information during the first call ).
Consumer complaint received 2024-10-13
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: Credence Resource Management, LLC (DC)

There is a collection account on my credit reports that I do not recognize or owe money. Equipment for an account that I had with XXXX was returned in XXXX. I have spoken to XXXX and the confirmed that the equipment was received. The advised me to dispute the collection with my credit reporting agencies ; I have done so but they replied that this debt meets their reporting requirements.Now I am being asked to pay {$290.00} to a collections agency ( Credence Resource Management ).
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (MD)

I received a credit card in the mail at home which is described as a replacement credit card and along with the credit card with my name was another credit card in the name of another individual for the same account. This other individual is not a member of my household and is the name of someone I worked with 10 years ago. The credit card also is a membership card for Sams Club. The membership cards that are authorized by my under my account are for myself and my wife. This recent mailing of credit cards did not contain a credit card for my wife but included a card for this other person with the exact same account number. In the mailing there is no contact information for Sams Club or its credit card issuer and only a phone number to activate the new credit cards. I did not want to activate the cards I wanted to report this error and potential fraud on the part of this former co-worker. As there was no contact information included within the credit card mailing I found a phone number on Sam 's Club website and dialed that number. After navigating my way through voice mail XXXX I finally was at a point where I was on hold, still on hold to report this fraud and cancel this card and get the name of this other person off of my credit account. I have now been on hold for 35 minutes attempting to report this fraud. My complaint therefore is twofold, first Sam 's Club is making it very difficult to report fraud by hiding its contact information and secondly once you have a phone number, you are left on hold. Secondly I want this other person removed from my account.
Consumer complaint received 2015-08-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (KY)

My XX/XX/XXXX XXXX XXXX was repoed in late XX/XX/XXXX. I had heard nothing from the ender nor a collection agency until a few months ago, My uncle whom does not live with me received calls to his personal cell phone fro a collection agency about MY personal matter with this.I received nothing from the lender about when my vehicle was sold, if it sold, how much, how much a credit or I owed. contacted a attorney and he advised me by KY law the lender MUST submit within 10 days a statement of what the vehicle sold for etc on my account. I have received nothing, I told the debt collection agency I had received nothing he said he would request documents be mailed and that was 3 months ago and I have received nothing. I want this matter closed and documents have been sent to Santander advising court would get involved if it is not.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I contacted Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to update my personal information. My date of birth is listed incorrectly, and my address. I submitted documents with my address and ID, and still, they refuse to update my date of birth and remove all incorrect addresses. I do not leave at these addresses and would hate for my mail with personal information to be sent to these addresses which leaves me open to fraud.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-24
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. (CA)

I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX and XXXX XX/XX/XXXX XX/XX/XXXX High Credit : The date open is reporting 3 different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another one so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on one and reporting {$43.00} Payment Status : Current Current Late 60 Days Payment says current but then is reporting 60 days late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reporting XXXX and XXXX that is inaccurate information Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late 30 Days Late 60 Days Late 60 Days Payment status say 30 late days and one say 60 late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says 3 different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting 2 different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting 2 different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting 2 different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate
Consumer complaint received 2023-05-24
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of Accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX and XXXX XX/XX/XXXX XX/XX/XXXX High Credit : The date open is reporting XXXX different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another XXXX so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on XXXX and reporting {$43.00} Payment Status : Current Current Late XXXX  Days Payment says current but then is reporting XXXX  days late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reporting XXXX and XXXX that is inaccurate information Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late XXXX  Days Late XXXX  Days Late XXXX  Days Payment status say XXXX late days and XXXX say XXXX late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says XXXX different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting XXXX different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting XXXX different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting XXXX different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I demand the items below all be updated to paid as agreed on my consumer report. 
Account : XXXX Date open says open XXXX and XXXX XX/XX/XXXX XX/XX/XXXX High Credit : The date open is reporting 3 different dates {$410.00} {$410.00} {$0.00} The credit limited is reporting {$410.00} but reporting {$0.00} on another one so that is not accurate in a credit report suppose to be 100 % accurate Past Due : {$0.00} {$43.00} {$43.00} Past due is reporting {$0.00} on one and reporting {$43.00} Payment Status : Current Current Late 60 Days Payment says current but then is reporting 60 days late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reporting XXXX and XXXX that is inaccurate information Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting to many different dates as late payment one says XXXX and other one says XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates on last active XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong information on late payment Payment Status : Late 30 Days Late 60 Days Late 60 Days Payment status say 30 late days and one say 60 late days so can you take the late payment off because I was never late Account # : XXXX XXXX XXXX Is reporting wrong late payments I was never late Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late reported XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of late payment say XXXX and XXXX Account # : XXXX XXXX XXXX Account is reporting wrong I was never late Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active says 3 different dates XXXX and XXXX and XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last payment is reporting XXXX different dates XXXX and XXXX Account # : XXXX XXXX XXXX I was never late on this account Account # : XXXX XXXX XXXX Reporting different dates Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date open reporting 2 different dates XXXX and Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting 2 different dates XXXX and XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reporting different dates XXXX and XXXX Account XXXX Account is not accurate Account # : XXXX XXXX Account is not accurate
Consumer complaint received 2023-05-23
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 — Their investigation did not fix an error on your report
Company: Forster & Garbus LLP (NY)

Businesses that provide consumer information to credit reporting agencies have obligations under the Fair Credit Reporting Act ( FCRA ) to ensure compliance with certain procedures and protect consumer privacy. Accuracy of Information is required by law. Businesses must ensure the accuracy of the consumer information they provide to credit reporting agencies. They should have reasonable procedures in place to verify the accuracy and completeness of the data they furnish. If a consumer disputes the accuracy of the information, businesses are obligated to conduct a reasonable investigation. They must review all relevant information provided by the consumer and correct or delete any inaccurate or incomplete information. The fact remains that the name reported by both XXXX XXXX XXXX as well as XXXX XXXX is not my legal name. The nature of the information concerning these accounts is also inaccurate. I have made numerous disputes with XXXX XXXX to remove the inaccurately reported information but with no success. My next step is litigation and this complaint is simply an opportunity to demonstrate before a XXXX XXXX judge or administrator that a final attempt is given to the offending organizations to comply with the law that oversees their actions. I provide with this complaint my American passport book and card as well as my apostille birth certificate bond. The legal first name is XXXX. THERE IS NO MIDDLE NAME. IF A MIDDLE NAME IS RECORDED IT IS XXXX  AS SEEN ON THE BIRTH CERTIFICATE BOND. There is no legal basis for the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX. The debt collectors XXXX XXXX XXXX as well as FORSTER & GARBUS LLP are utilizing this false information for personal gain. These debt collectors claim to represent these credit card companies but in fact they have purchased these debt obligations in an attempt to collect on them. FORSTER & GARBUS LLP in particular claims to represent XXXX XXXX by way of a default judgment in a XXXX XXXX XXXX XXXX yet is unable and/or unwilling to join themselves to a XXXX XXXX Supreme Court case where XXXX XXXX is named as a potential creditor. This is index # XXXX. The fact that XXXX XXXX and/or FORSTER & GARBUS LLP remains unable and/or unwilling to collect on a default judgment rendered almost four years ago speaks volumes to the frailty of said judgment as their claim is also subject to collateral attack. I reserve my right to pursue any and/or all offenders to the fullest extent of the law. I'd like to take this time to thank the men and women at CFPB for their efforts toward protecting the public.
Consumer complaint received 2023-05-24
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. (TN)

I have sent the credit reporting agencies and collection agencies many letters in XXXX and XXXX of 2023 to give me written notice regarding my debit. The credit report agency sent me a free copy of my credit report and thats all and the collection agencies never responded. Both agencies are in violation of 15 U.S Code & 1692. No one have sent me any written notice about any debit and all refuse to remove the reporting. Not only can I not apply for a home, car, or a credit card ; it has damaged my credit worthiness as a American Citizen.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report and as a citizen I know that violates my rights as a federal protected consumer.