davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have repeatedly asked Experian for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports. 

Experian states that these companies had a permissible purpose but have not provided me with any documents showing so. 

I need to know the name of the person from each of the companies that received my credit reports from Experian and for what permissible purpose as well as all documentation Experian received to give these companies access to my credit reports. I am also requesting the name of the person from Experian that provided my reports to these companies. I need to see documentation on all inquires listed on my Experian credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. Experian ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to Experian making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint. 

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that Experian delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with Experian as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

Thank you in advance for your handling of this matter. 

A copy of this complaint will be sent to the FTC, California AG, New York AG, The XXXX and my legal counsel.
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I recently applied for and was approved for a Citi Premier credit card in the middle of XXXX. The sign up bonus for the card was an additional XXXX thank you points for spending {$4000.00} in the first 90 days of opening the account. In the first month, I put over {$4000.00} of spending on the card. Its now been an additional billing cycle since then and the bonus points have not been added to my account. I contacted Citi and their representative said they would look into the issue and get back to me. That was over a week ago and I have not heard back from Citi or received the points.
Consumer complaint received 2018-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (CO)

I have files multiple complaints about this company and how they do not do business right. XXXX does bad business, first they sent my debt to XXXX and XXXX who entered a judgement against me never served me the court papers also seized my bank account and tried garnishing my paychecks. I filed a complaint they investigated and found out they did not serve me. The judgment entered against me was set aside on XX/XX/2018, XXXX advised of this in the previous complaint response CFPB XXXX # : XXXX, which means its no longer valid, they can not collect or try to collect. Now I have XXXX XXXX XXXX calling my parents house which I do not reside, and they are calling frequently. I spoke with a gentleman XX/XX/XXXX who advised me of an Active Judgment case # XXXX and they are trying collect a deb, I told him that judgment was set aside, no longer valid and he said no he shows it active, mind you I have not received and notification of this judgment becoming active again. So I called XXXX XXXX Civil Courts this morning XX/XX/XXXX and spoke who confirmed that this judgment case # XXXX has been set aside XX/XX/2018 and is not valid. Also as of XXXX this specific debt was removed from my all 3 of my credit reports.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I have never had service with XXXX XXXX XXXX, I asked for a letter showing proof that it was mine and have yet to receive it. Also, when I give them my social there's no record of it. I haven't gotten any collection letters or debt validation and now its on my credit
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I received a letter today from XXXX XXXX saying Portfolio Recovery purchased a account reported under identity theft. In which the original creditor received the theft report & case number from the police department. They sold this debt and it is not mine. I do not have a contract with XXXX XXXX or XXXX XXXX XXXX XXXX, I also feel I shouldn't have to keep sending the same information over again. 
I have requested validation also multiple times from their client to only be sent printed out statements That do not bear any original signatures. This is not a valid debt I do not owe this alleged account & will pursue legal action if placed on my credit report. I also request all copies of original contracts or payments bearing a Real signature. They client rep advised me this account was opened online & they have no contracts.
Consumer complaint received 2018-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On XX/XX/2018 I sent PRA a dispute letter and received a response about debt settlement on XX/XX/XXXX. It was past 30 days when I received the response from them. I asked them not to contact me yet they still call from local numbers. I called PRA back in XXXX to find out about doing a " pay for delete '' and was told that THEY CAN NOT GRANT my request. I had several other collection accounts with PRA in  the past and they were removed without me paying a dime. They are conducting illegal activities.
Consumer complaint received 2018-05-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (TX)

I joined the military in XX/XX/XXXX. I opened a credit card ( XXXX XXXX XXXX ) on XX/XX/XXXX. After a devorce and a XXXX XXXX from the XXXX in XX/XX/XXXX my balance owed and limit on my XXXX XXXX XXXX was {$3300.00}. I never received or was informed my interest was going up do to several moves. I'm being charged over {$6000.00} on a {$3000.00} credit card. They doubled what I owe.
Consumer complaint received 2018-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (CO)

This information was already removed from my report and has since been added back on. The company was not willing to let me pay it with them even though it was an account someone else put in my name. They said there was nothing they could do because it was sold to a collections agency. The agency harasses and calls non stop and refuses to state who they are. This blemish was removed and should return that way.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (NY)

After months of a derogatory account appearing on my credit report, I finally got to the right department of Chase bank that handles this matter. I was notified that this was a Chase XXXX account which I never had. I notified them that I was a victim of identity theft and that this account is unfamiliar to me. As they were unable to locate the account, I requested them to remove it immediately from my credit report. They then found the account ( miraculously ) and told me that there was XXXX charge from an " Aives of maine. '' I explained to the manager that I never had this account or a transaction with this company. They told me I needed to fax and mail them in order to initiate a dispute. I called about XXXX times in a matter of 2 1/2 hours because I was continuously hung up on. They also told me the alleged amount was for {$340.00}. On my credit report they are reporting an amount of {$430.00} charged off. This is not my account and I demanded they remove it!
Consumer complaint received 2018-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at Unity Health After Hours Clinic in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?
Consumer complaint received 2018-05-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (KS)

On XX/XX/XXXX a hard inquiry was put on my credit report from Charles Schwab. I reached out to Charles Schwab fraud department and they said 7 checking accounts were open in my name and have been closed. The fraud representative from Charles Schwab said that the hard inquiry will be removed off my credit report in seven days. On XX/XX/XXXX the hard inquiry remain on my credit report. I reached out to Charles Schwab fraud department and they informed me that the accounts were still open.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It saddens me to say that my rights under federal law are being violated and not respected. The law isn't being respected either, this company has been hindering information on my credit file for quite some time. Congress clearly created the Fair credit reporting act to ensure consumers were being treated equally and fair. The law states under 15U.S.C.1681 section 602A I have the right to privacy. The law also states under 15U.S.C.1681 section 604 ( a ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of to whom it relates. I have never gave any consumer reporting agency permission to furnish anything on my report. I have been a victim of identity theft and in the fair credit reporting act the law clearly states under 15U.S.C. 1681 section 605Ba consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. SEE ATTACHMENTS BELOW
Consumer complaint received 2018-05-29
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: Experian Information Solutions Inc. (GA)

I have submitted this information multiple tomes and no response from debt collector and experian is reporting as accurate and hasn't provided the proof that is being submitted for this Experian XXXX. XXXX   XXXX XXXX, TX XXXX RE Account : XXXX XXXX XXXX amount {$2600.00} To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (MD)

I paid my Discover card down to XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called to verify that my account was XXXX and that I wanted to close my account. I specifically asked if there was any more charges or interest and was told no. Today, I was told by a lender that a loan request was denied for " serious delinquency '' with Discover. When I called Discover, I was told that because I closed my account in XXXX middle of a billing cycle, interest posted to my account after closing. I was never billed and no one from Discover called me. They told me that they had sent a bill to an email address that had not been active for two years and that I had signed up for e-statements. During the months that I had the account I received paper statements. Interest accrued upon interest for 2 months as well as, late charges. My credit score was lowered. When I was denied for XXXX different loan requests, after disputing the charges with XXXX and having a fraud alert placed on my credit report, ( I thought the Discover account was closed ), I called Discover. While they sympathized that my credit had been harmed and cleared the balance, they refused to correct my credit report stating that it had been reported correctly. 

I did everything right to payoff and close a credit card account including verifying that I owed nothing further. The company confirmed this, yet I now have negative information on my credit report and a lower score and it will be there for several years. This company made no attempt to call me, bill me or contact me to ask why I was n't paying them. I had never been late with them and had that account since the early XXXX 's. Over the years I have paid them thousands of dollars and I feel that they have ruined my credit because I closed my account.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AZ)

XXXX cable provided service to me for years so the account is not in itself fraudluent. I ended up experiencing an event that resulted in significant damage to my personal property. XXXX system failure was determined the cause and XXXX at the time admitted to the issue and offered me dollar incentive as an apology and to re-sign a longer term agreement. Due to significant loss and disatisfaction with service I communicated my intent to discontinue service, they agreed at time to let me out of remaining contract and final billing was settled. 2 years after the termination of agreement and no communcation from XXXX XXXX XXXX called my cell phone in order to collect {$120.00} for the closed account. I notified convergent of the facts and asked them to mark the account as cease and desist and that the debt in question wasn't valid or owed ( XX/XX/2017 ). I called back a couple of weeks later to check up on the processing and was told still being researched. never heard a word since. Today I checked my credit report I doscivered this debt still being reported delinquent/owed and they still have not validated per my request. Please help me naviagte the removal of this invalid debt
Consumer complaint received 2018-05-29
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. (DE)

A business account XXXX XXXX card was compromised and changed to a fraudulent address, fraud and unauthorized charges were made on the account i reported it and the account was closed from XX/XX/2017, now after 6 months they put the fraudulent charges on my personal credit report with a balance of XXXX. i do not owe them any funds, the account had a -- {$5000.00} credit balance in XX/XX/2017 and the account have been closed
Consumer complaint received 2018-05-25
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: Bread Financial Holdings, Inc. (TX)

I knew i had late fees for not paying my credit card bill ontime yet the credit card company has abused their power to contact me and my family, i mean, they call atleeast 20xs/day. They have been contacting my parents and harrassing them, making assumptions and accusaions. i have contacted the credit card bank to set up a payment plan and they have agreed to follow up with that plan regarding my financial situation and not being able to pay on time, therefore the past week has been excessive phone calling abuse and saying harrasing things to my family.below is the number that has been calling me with harrasing words as well as one of The XXXX XXXX   numbers in specific order. 
Random number : XXXX ) XXXX XXXX : XXXX ) XXXX
Consumer complaint received 2018-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I bought an XXXX XXXX from a seller on XXXX. He told me to pay through pnc XXXX. I had never used the service before and figured seeing as it was through pnc that it would provide me with the same protections my bank did. He didnt ship the item and just quit responding to me. So now Im out {$600.00} and apparently nothing can be done. XXXX and pnc should legally be forced to fight fraud or pnc shouldnt be linked with XXXX if it allows fraud to happen.
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (FL)

Mortgagee has collected extra principal payments and placed them into a " suspense account ''. The amount they have is different then the information they provided in writing and different then the amount I show too. They sent me a sheet showing payments but not the payments to the suspense account. I really dont understand a lot of this and need some help with this.
Consumer complaint received 2018-05-29
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. (TX)

Got new car lease with XXXX XXXX back in 2016 and then had to take new position and pay cut from SSA survivor benefits also. Couldnt afford payment and got it repossessed after a year. XXXX has resold the car and I am not the owner so why would I pay $ XXXX for it? Thats more than my lease balance was so I reported it and they dropped it to XXXX but are destroying my credit by reporting this as ongoing and monthly missed payments even though its listed as a charge off.