davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (DE)

I received an email to an email address that I don't usually open because it is an old email address. The email was sent from Southwest Credit Systems stating that I owe a debt and that they would put it on my credit report if I didn't respond by XX/XX/24. The email sent does not have enough information for me to verify if I owe the debt. No forms were sent that showed a document with my signature, transaction on the account, correspondence of any kind, or anything that would validate that I owe the debt.
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (UT)

I ask over 30 days for Exeter Auto Finacial to send us out invoice on our auto loan.We have not got invoice for over 1yr.And furthermore in State of Utah its against the law to HARASS Family Memebers, as Exeter has been doing.Family members i never gave any of there phone numbers to Exeter when we got the loan in XXXX XXXX in XXXX XXXX , S.C. XX/XX/2018.They Harass Nephews, Brother, and my Son and family members.Exeter never leaves message account number, futhermore Jerks Never will i send them payment anymore.They want the Car go get it, iam taking this up with President of USA, that CFPB.com / FTC.org is  allowing this company Harass, iask ask many times to get invoice nothing.Same on XXXX XXXX XXXX we never got invoice for almost 2yrs.Iam damn tired paying on something no invoice.Law states we suppose get monthly receipt for paying.And iam not going put up with harassment i will try fine us attorney to sue.I/we paid over an over $ 500.amonth and our payment is {$450.00}. we never can login our account, so paying $ XXXX.over evey month can go to principal.But my wife has XXXX XXXX XXXX XXXX XXXX and all this XXXX/XXXX is making her more up-set, you quit harassing Family members, if her XXXX XXXX XXXX  you are lieable for her death.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNCOAST CREDIT UNION (AL)

I received a debit card in the mail for an account I never opened with Suncoast Credit Union in XXXX Florida. I have had all three of my credit agency reports frozen for some time and a fraud alert active until XX/XX/2023. When the consumer help person said that she couldn't help me because my mother 's maiden name really wasn't my mother 's maiden name, I become somewhat annoyed. I finally spoke to another individual who informed me that an ID package would be Emailed to me. My question is " How did someone manage to open an account in my name when all of my credit agency reports were frozen and I have a fraud alert in place? They couldn't answer that question.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello, My debit card was closed to suspected activity I only reported things that were taken against my permission and my account was not in negative. It was closed and its affecting other accounts and checking which is upsurd. Please assist because I dont understand
Consumer complaint received 2023-07-18
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: Resurgent Capital Services L.P. (GA)

This company has been paid through court ordered wage garnishments and should not be able to continue trying to collect from me. I have disputed through the XXXX and asked for removal from my credit file. They have come back as accurate and verified. The information posted has caused me great loss. The inability to find adequate housing, the credit denials. I would like this account removed from my credit report immediately and will be seeking legal counsel for the XXXX that have reported this information erroneously. I also will be filing a complaint with the FTC and XXXX
Consumer complaint received 2023-07-18
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: Bridge IT, Inc. (NJ)

The credit bureaus stated my account was properly investigated for ( Brigit ) account # XXXX, but how is that possible if its incorrect data and not 100 percent accurate. This is grounds for removal they violated my rights! On this account for the month of XX/XX/XXXX XXXX has the account listed as ( ND ) however I will provide bank statements that shows I paid in XXXX. I have sent two prior disputes in regards to this issues and both came back with same results with no deletion or fix. Complete violation to my rights. XXXX, XXXX, XXXX are reporting different information for months of XXXX, XXXX of XXXX. 

Also on my bank statement that I sent you can see I made my payment XX/XX/XXXX that XXXX as ( ND ) on my credit report 15 U.S.C 1681 section 5 ( a ) states that If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 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 an account without my written instructions.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Consumer complaint received 2019-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (FL)

In early XXXX, I opened a personal checking account online successfully. I received an account number, I made my initial deposit to fund the account, set up online banking, and even made 1 direct deposit into the account. All this happened successfully within the first couple days of opening the account. Then all of the sudden my online banking went frozen. I called customer service and they said I needed to go to a branch to see what happened. I talked to banker, XXXX XXXX, upon arrival. He was more than willing to help me at first. XXXX needed to ask the branch manager, XXXX XXXX, a question about my account so he got up and left the desk. When XXXX came back all he said was that my account is closed. I kept on asking questions like why and for what but he would not tell me any other information. Meanwhile I see XXXX leaving the bank so I couldn't ask him anything. I was not given any kind of an explanation what so ever as to why Iberia closed my account. I believe Iberia denied me because of some report they pulled but they didn't mention anything to me about it. This is wrong as Iberia probably used a report against me but did not cite the report. And also, why let me go all the way to opening and funding an account if Iberia didn't verify something?
Consumer complaint received 2024-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (DE)

I received notification that adverse information was found on my credit report. Investigated and found the company name and googled information to contact them. I called and gave my name and address and requested to know what it was about because I never received any information and had no idea I owed any money and no idea for what. They would not give me the information over the phone only collect payment. I requested that they send me the information to verify the debt and gave my proper address. After this they began calling everyday multiple times from different numbers each time. I was feeling harassed and never received any mail with debt verification. I emailed regarding this and requested again in writing the information to verify the debt. I corresponded with someone from the company and they would not provide the information. I kept all correspondence and repeatedly sent emails requesting the information. The finally response back was that it was a sister company that had that account and they forwarded my email. I waited no response. Man trying to collect again called me and I asked if they had sent the debt verification- he said they originally sent it to the wrong address even tho I gave my address to them. I asked them to send it to the correct address as I had given them XXXX times prior. After getting loud with the man he said he would email it. I gave him my email- the next day I got the email with the account info. I contacted XXXX XXXX and they confirmed that the authorization was in the day of service provided but the company never mailed them the bill. The Va called the collector and the collector refused to release the debt back to the medical company and would not assist the Va In remedying the situation. Man put myself and VA on hold and would not come back. We contacted the medical company and they said they had they authorization and it should not have been sent to collection. The collector put this delinquent account on my credit report without notice and provided false information the the credit reporting agencies. I requested in writing that they fix this immediately and they have not responded. The collector is credit management company in XXXX.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (IA)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Glasser and Glasser, PLC (VA)

In an attempt to resolve a collection against me, I called the collection agency on XX/XX/23. The man I spoke with collected information from me such as monthly bills, and income. My expenditures exceed my income and he repeatedly asked me why and how I survive with XXXX children in a very demeaning tone. He also twisted my words around multiple times and tried to made it seem like I had agreed to an amount to pay monthly and when I corrected him he said my phone was breaking up, but this happened three times. He went back to focusing on my expenditures exceeding my income and again implied that I was lying because I have XXXX kids I must provide for on a single income and he doesnt know how I make it. It made me feel very vulnerable and disrespected when he repeatedly asked how I care for my children. I feel this is very unprofessional and intrusive. I feel that he was not willing to coordinate a fair payment plan or resolution.
Consumer complaint received 2023-07-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am formally requesting the removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported on my consumer report, and their presence is a clear violation of the FDCPA and FCRA. I insist that these accounts and information be promptly removed from my consumer report to comply with the relevant laws. I demand their immediate removal to rectify this violation.
Consumer complaint received 2020-04-22
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: EQUIFAX, INC. (LA)

On XX/XX/2019 I disputed items with Equifax on my credit report that did not belong to me. According to FCRA they have at most 45 days to complete my investigation or items should be removed.its been almost four months and nothing has happened these items ( 1 ) XXXX XXXX  act # XXXX ( 2 ) XXXX XXXX XXXX acct # XXXX ( 3 ) XXXX  XXXX acct # XXXX
Consumer complaint received 2024-02-10
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (OH)

Today is XX/XX/XXXX, however this been going on since XX/XX/XXXX. 

XX/XX/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  Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX XXXX XXXX, should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. this company refuses to obey the credit laws, again this is not my account, and I did not open this account, this is preventing me from getting a good job and a nice home, the info on my credit report from the company is incorrect Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report police report this company refuses to move an account from my credit report that I did not open, this was a fraudulent account that was opened in my name.
Consumer complaint received 2023-07-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Net Pay Advance, Inc. (CA)

I took out a loan with XXXX XXXXXXXX XXXX on XX/XX/2023, when they deposited {$1000.00} in my bank account. Then on XX/XX/XXXX a payday loan went out but a week later on XXXX XXXX a withdrawal of {$300.00} tried to go out of my bank account. An at that time my account had been hacked. Not only was my math that week incorrect with my bill scheduling but I noticed my bank account transactions were rearranged as well as {$11000.00} missing out of my bank account. I had just taken out a serious of loans to finalize some permits. I have file a case with my identity theft insurance company to correct the issue they have requested police reports ones I have filed but I haven't heard back from anyone so I decided to file a new dispute. Here is my insurance information. Claim Information Claim Number : XXXX Policy Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions about this correspondence, or if you have additional information that you would like us to consider, please contact your claims adjuster at the number listed below. Our office hours are XXXX XXXX XXXX XXXX XXXX Monday through Friday. We appreciate your business and thank you for being a valued customer. 
Sincerely, XXXX XXXX XXXX Claims Operations Claims XXXX T. XXXX XXXX XXXX XXXX XXXX If you no longer want to receive e-mail communications at the e-mail address provided, refer to the Electronic Business Consent disclosure XXXX XXXX XXXX XXXX  ) for instructions on how to opt out. Please help me fix this issue. Sincerely XXXX XXXX
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: GREEN ROAD FINANCE INC. (CA)

My car was originally leased to XXXX XXXX XXXX  but was transferred to green Road Finance with no knowledge to me. Im XX/XX/2023 the repossessed my car out of a private underground parking structure this parking structure is permit only they never received permission from landlord or manager on site to enter the parking structure. When I went to pay to get my car back at XXXX XXXX XXXX they refused to give me a receipt and my birth certificate was missing out of the glove box.I called green Road Finance they refuse to recover a receipt for me
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Certegy Holdings, LLC (MI)

The main point is that XXXX XXXX XXXX in XXXX, MI have a freeze on my ACH transfers, credit reporting issues and check writing privileges. The VIP section of the casino will not authorize any of my winnings nor at other casinos. Under the fair XXXX the report is inaccurate.
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC (IN)

I have attempted to dispute the claimed debt owed multiple times directly with the companies and with the credit reporting agencies to no avail. The companies continue to report unverified collection accounts even after I have asked for verification docs, account statements, original agreement copies, and proof of their legal right to even attempt to collect on the alleged debt - all requests have gone unanswered. I have requested this information in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. According to the collection companies own websites/consumer portals - my information does not link to a record within their files yet they continue to claim and report thousands of dollars as owed to them to the credit reporting agencies. This fraud and their lack of being able to properly verify the debt should mean that the debt is uncollectible and therefore they should cease reporting the incorrect information and promptly remove the reported info linked to my personal info from all credit reporting agencies.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NH)

Comenity bank has for months been unable to provide new ( inherited ) customers with the ability to register an account for a credit card they already have and use. I am asked to input my last XXXX SSN over the phone before I speak to anyone, which is unnerving considering I cant access my statements virtually at all. Customer service has told me there is no time frame for when registration will again be available. How can a financial institution take on an existing credit program without the infrastructure to properly support it?