davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (CA)

On XX/XX/2019, I received three letters claiming I owe money from cashed checks at XXXX and XXXX located in XXXX, MI. I responded with a request for debt validation and cease and desist request on XX/XX/2019 sent through certified mail with return receipt. On XX/XX/2019, I received a response with copy of receipts and no proof of right to collect debt or any information tying me to the debt. The information provided does not prove that this is a valid debt or that i am responsible for it. The company continues to harass myself asking for my bank information, driver license, and other personal information. I refuse to provide any personal information and believe they are committing fraudulent activities. I do not owe this debt, there is nothing tying to this debt, and I have never been in the location they claim the check was written and cashed. I have called my banks to verify if there has been any fraudulent activity from a checking perspective and none has been noted. There is no record of me trying to purchase anything at these location and there is proof I was not there during the time of dispute.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lendmark Financial Services (KY)

I took a mortgage loan out in 2009 and the company was bought by three other loan companys. I had expectional payment history until my mining job shut down. However, my credit score is suffering because even though the two other companies shut down and the third company took it over, I still have it in my credit from all three companies as if it is three different accounts, even having different account numbers. I have filed a dispute to have these other two companies to delete the duplicate negatively reported information and they fail to do so.
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation (FL)

My experience with Fortiva through XXXX XXXX started from the beginning of my acceptance of their card was a nightmare, So i went to the store to see where my bill was because it was due an they had to corrected the address, so I thought, then i received a bill with an " overdue '' amount attached to it. Next I phone Fortiva and corrected the address again and they would not remove the " overdue '' charge. which was their error. 
So back to home depot I go a second time and again they ajust my billing address and send it to the correct address still with the over due charge atttached.. 
When i received the next bill it was to my old address and luckly the mail lady knew me and gave it my neighbor to hold. after 2 more attempts to clear up this mess by phone and 1 more visit to the store. I cancelled the card. 
Now as I have been paying more than the minimum to get this card out/off of my credit I sent them a check by mail on XX/XX/2019 The bill was due XX/XX/XXXX, and again I get a past due amount on the card, there is more than 14 days to get and process this payment. and I would like you to look into their practice of over billing an past due charges. please and thank you.
Consumer complaint received 2019-08-27
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: Experian Information Solutions Inc. (IL)

XXXX ; Experian and XXXX are reporting incorrectly a late payment in XXXX, 2018 on the XXXX account number XXXX. ( Please see page 2 attached from our credit report. ) The mortgage payment is due on the first day of the month. We get paid on the XXXX of every month. The mortgage payment would not be considered late until after the XXXX of every month. I set this account up on Auto-Pay to deduct the mortgage payments on the XXXX of every month, but for some reason this payment was not pulled on the scheduled day of the XXXX and consequently it was zinged as late. This was not our error. We had the account set-up for automatic payment and this was clearly a banking error. We contacted the representative and they said they would remove this late however, they have yet to do so. This incorrect reporting of a late payment is harming my credit score and this late needs to be removed from our credit report. We have contacted the ( 3 ) bureaus to remove this however, we have not been successful.
Consumer complaint received 2019-09-07
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. (TX)

THEY HAVE NOT REMOVED THE INCORRECT INFORMATION. THEY HAVE NOT PROVIDED THE SUPPORTING DOCUMENTS TO SUBSTANTIATE WHAT THEY ARE REPORTING.
Consumer complaint received 2019-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Today I tried to book a reservation on XXXX with my Capitol One credit card. Even though I have the available credit on my Capitol One card to make the purchase of XXXX dollars capital one will not process the transaction without a copy of my drivers license or passport. Given Capital One 's massive data breach I do NOT trust them to act in any consumers best interest especially considering their desire to obtain even more person information about clients life photo 's of federal id 's
Consumer complaint received 2019-09-07
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: Experian Information Solutions Inc. (TX)

All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior.
Consumer complaint received 2019-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

In XX/XX/2019, I opened a new bank account with a local credit union. I then set up several Synchrony bank-serviced accounts with the ACH for the new account. In every case, the first debit from my account was rejected by the bank. When I checked with my bank, they said it was because the company was trying to take the money out of my auto loan account, not my checking account. I then went into the accounts and set up the ACH account again, and made a manual payment ( they were on autopay ). After I set up the account a second time, the payment processed successfully, and several payments processed thereafter. This week, I received notifications from Synchrony Bank that they had closed my PayPal Mastercard and my Lowe 's card. They refused to accept proof that there was money in my checking account at the time of their rejected ACH, or to consider that there might have been a problem on their end. I believe they also closed my XXXX card, but I have not yet been notified of that by mail. In the case of the Lowe 's and  PayPal Mastercard accounts, they said they could not reopen the account, and that they could only " file a complaint. '' PayPalPlus Mastercard acct # XXXX
Consumer complaint received 2019-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.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 request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2019-09-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (TX)

Credence Resource Management called me. I did not answer. When I returned their call they were asking for a " XXXX XXXX ''. I told them I do not know her and that this has been my phone number for several years now. My phone number XXXX and it is listed on the do not call list.
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (GA)

XXXX is trying to charge me for telephone service after I started with XXXX. I moved my service from XXXX to XXXX XX/XX/2016. XXXX falsely wants me to pay for several months that I did not have service with their company. They were notified of the change, twice. 
I received my XXXX XXXX effective XX/XX/2016. XXXX is trying to bill me for 2-3 months after that date. I Paid {$260.00} on XX/XX/2016. The last payment for service prior to XX/XX/2016 was made XX/XX/2016 for {$270.00}. I do not owe XXXX anything. They appear to be upset because I transferred my service. Please help. Thank you.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IN)

In response to my prior complaint through cfpb, CITI cards sent me a letter dated XX/XX/2018 apologizing for the confusion with my account and agreed to uphold our payment arrangement. They advised me that they would be writing my balance off at the end of the year. I went to help my son get a loan for his car and it was brought to my attention that my credit score had dropped significantly, more than 100 points from the 700s to now the 500s. In reviewing my credit report I found that sometime earlier in the year CITI not only dropped my credit limit affecting my credit utilization and credit score, but also started reporting my account delinquent affecting my credit score. I called CITI several times and about a week ago spoke to someone/manager who acknowledged that this should not be happening and he would get corrected. As recently as today, the account is showing 60 days delinquent, which is not the case per our payment agreement. 
I want my credit restored. If CITI is going to write off the debt which will likely affect my taxes, then I do not also want to be hit with the terrible effect on my credit. In the last few months I went from good credit to poor credit which is not reflective of the type of consumer that I am. It is unfair and I don't think that any company should do that to a customer. Really disappointed with CITI cards once again.
Consumer complaint received 2019-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (NC)

H & R accounts have my medical balances in their office. I have been making payments to them for months. I pay {$50.00} bi-weekly to them with the understanding to keep the accounts off of my credit report as long as I may the biweekly payments. The payments are set up to automatically come out of my account. They auto-debit the payment. 
Last week XX/XX/XXXX, a balance of {$1300.00} showed up in collections on my credit report. I called H & R Accounts and spoke with XXXX. That conversation didn't go over very well. I spoke with his supervisor about it. His supervisor advised me that he included this account in the payment plan. He gave me an email address XXXX to request forgiveness to remove the collection account off of my credit report. I sent the email to them on XX/XX/XXXX at XXXX to do a goodwill removal. This communication is a back up as they should have never placed the account in collections on my credit report as they are receiving a payment bi-weekly with the agreement to have the accounts not hit my credit report. They have a bad practice and this should not happen. They also had a wrong address on file. There has not been any attempt to send written correspondence as the address has a forwarding address, however, they have never sent any thing.
Consumer complaint received 2019-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Todays Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   XXXX Complaint : ALLEGING UNPROVEN DAMAGING ENTRIES ; SEEKING ANNULMENT FOR NON-PERMISSIBLE PURPOSE.

To Whom it may concern : XXXX, XXXX, Trans Union According to The Ninth Circuit, in Pintos v. Pacific Creditors Association ( 9th Cir 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies.

As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE.

XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am requesting immediately deletion of the above inquires.

Thanks for your prompt attention
Consumer complaint received 2019-08-27
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (AL)

I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed. I have been sending out dispute letters since XX/XX/XXXX.
Consumer complaint received 2019-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (ND)

As of XX/XX/19, I have received notification of a hard inquiry on my credit report from a Phoenix Financial about a medical debt collection. I have no collections out for any medical bill, which was proven after I called every medical related billing department in my knowledge and they confirmed all have been paid in full and not sent to collections. I want this off my credit fr report. 
Also I have received about 30 calls just yesterday ( now blocked by XXXX XXXX XXXX ) from an XXXX XXXX to collect on a medical bill that also does not exist.
Consumer complaint received 2019-09-07
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: CAPITAL ONE FINANCIAL CORPORATION (VT)

On XX/XX/XXXX, I was notified by XXXX XXXX that Capital One had reported a delinquent payment on my account. I had never made a late payment and have had a 100 % on time payment history for all of my accounts. When I looked into the situation, the only information the Capital One customer service representative was able to provide was that I had made a payment that was {$1.00} short of the minimum, and that it was the {$1.00} that had been reported to the Credit Bureau. This, if true, was an inadvertent mistake. I had supposedly made a payment of {$520.00} instead of {$520.00}. No one informed me prior to the delinquent notice that I had made this mistake, despite Capital One 's claims that they put customer service first and notify you if anything is wrong with your account. I was told by Capital One that I could dispute the report by paying to get my credit report, hand-writing a letter, and providing multiple forms to show why I believed it should be corrected. This report about a {$1.00} late payment dropped my credit score by almost 100 points. Because this seemed like such poor customer service, I filed a complaint with the XXXX XXXX XXXX. I had another representative from Capital One contact me after this, but I was never able to speak with her directly, and she never returned my calls. Then she filed a response that she was unwilling to remove the delinquent report. I did not accept the response via the XXXX XXXX XXXX, and then called CFPB for support. This was approximately three weeks later. At this point, I logged into my XXXX XXXX account to provide information and noticed that by this point, the delinquent payment notice had indeed been removed from my credit report. I am very grateful for this. However, one week later, my credit score has not improved. I would like it returned to what it was before the unfair delinquent report. I am still very disappointed in the way Capital One handled this and in their poor customer service and lack of communication.
Consumer complaint received 2019-09-07
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)

The amount of dispute is $ XXXX.I got some airline tickets and I wanted to cancel them the same day but the company kept me on hold and my call got disconnected few times and then they charged me a cancellation fees of $ XXXX.It was no fault of mine as I tried calling the company and they did not answer. 
I am being penalized for a service which I did not receive. 
Capital one bank representative asked me to email them the receipt of the transactions and told me they will reverse the claim after they receive the receipt but they did not take care of it.
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681.

XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX Dofed # XXXX, XXXX # XXXX has violated my rights. 
15USC 1681 section 602 A. States I have rights to privacy 15USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years.

15USC 1681s-z ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc. (AZ)

I am on XXXX and am not able to control my own we finances that's why I have a payee. And almost every credit card was opened and not payed for as I had no idea that a card was opening my name. I get said in the amount of XXXX $ and my payee is the person who handles my bills. please remove all these negative items from my credit as I had no knowledge of them being opened in the first place thank you
Consumer complaint received 2019-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

Hi, I did not receive statements from my Citibank credit card for the months of XX/XX/XXXX &  XX/XX/XXXX. As a result, I was unaware I had a balance on the credit card. As a result I was charged {$60.00} in late fees & {$6.00} interest. 

I never signed up for paperless statements. The bank is claiming I did sigh up for paperless statements. I would never do this. I am not sure if I would have to opt-out of this. 

I fell as though I have been cheated by Citibank. The 1st electronic statement I did receive was on XX/XX/XXXX, in my email. 

When I called the bank to complain about these late fees, they refused to waive the fees. 

I am sure I am not the only person being cheated by Citibank.
Consumer complaint received 2023-11-22
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. (AL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.