davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for XXXX XXXX credit card online because I suspected mine and my daughters information had been misused with them in the past. They were the only card at the time that would not deny my appication. Then, when I got the card that I provided my social security number and current spelling of my name XXXX XXXX XXXX, they sent a card with the incorrect spelling of XXXX XXXX instead. The card needed activation. My phone number is compromised and therefor I was not able to activate it. I already have been told by police that I have " lost my identity '' although I dont really know how to get it back. after attaching my card to the user name XXXX and they implied that I had a checking account with them in the past that I am not aware of they allowed me to change the password to the online user XXXX. I insisted I need a fresh foot to stand on and I should be able to activate the card. They said, no, we will activate it for you. I was very upset and said to them '' Do NOT '' but they said it is too late and they said you can use the card now. Since I had no other at the time I began to use it. Then, I called them again about some other problems. Then, I noticed that the card they gave me was not reporting in realtime on the CRA that I had access to. They escalated to supervisor and said that they had 30 days to put it on my CRA report but as soon as they put it the account was deleted without explanation. I told them that I have learned how to swim in fraud as I have no other choice at the moment. Then, they called and said that I am not responsible for the balance but did not explain why as it were all my purchased. They also would not close the card. I disputed it with transunion and it was deleted XX/XX/XXXX they send a letter saying taht I am in erroer because my claim with CRA is not fraud.
Consumer complaint received 2018-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C. (PA)

XXXX XXXX XXXX responded to a complaint filed by me on XX/XX/XXXX, due to never receiving any type of prior correspondence and my ability to dispute debt ; which is my right under the FDCPA. Instead of sending correspondence addressed to me at my Pennsylvania location, ( WHICH THEY DID NOT SEND ME ANY LETTERS ) a sheriff was used by XXXXXXXX XXXX XXXXXXXX to intimidate me. They used a sheriff to deliver a lawsuit at my house. I absolutely DID NOT receive any correspondence on XX/XX/XXXX, as stated in their response to my complaint filed on XX/XX/XXXX. If I had received the XX/XX/XXXX correspondence, I would have disputed the debt, which I still dispute the debt to this day. Please provide proof with a copy of the certified letter with my signature on it, showing that I received the correspondence allegedly sent on XX/XX/XXXX. I am a XXXX veteran and do not work. I get the mail every day and HAVE NEVER received any correspondence from XXXX XXXX XXXX. Also, I HAVE NEVER received any phone calls with any messages left by XXXX XXXX XXXX, as allegedly stated in their response. Also, I absolutely DID NOT receive any correspondence on XX/XX/XXXX, as stated in their response to my complaint filed on XX/XX/XXXX. If I had received the correspondence the XX/XX/XXXX correspondence, I would have disputed the debt, which I still dispute the debt to this day. Please provide proof with a copy of the certified letter with my signature on it, showing that I received the correspondence allegedly sent on XX/XX/XXXX. Again, I am a XXXX veteran and do not work, and if I had received any type of correspondence from XXXX XXXX XXXX, I would have immediately disputed the debt, under my FDCPA rights.
Consumer complaint received 2018-10-10
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. (NY)

Contacted XXXX and Experian at least XXXX times already regarding this account and they came back verified. 

Here I attached Evidence this account can not be verified. This is a copy of the response I got directly XXXX XXXX XXXX. They have nothing on file and directed me to speak with XXXX XXXX. I already contacted XXXX ( XXXX XXXX XXXX ) through the CFPB who had nothing on file and already withdrew their claim to this debt and stopped all collection activity so tell me how can XXXX   and Experian verify this?. Now if neither XXXX XXXX XXXX nor XXXX XXXX has anything to verify this claim HOW IS IT POSSIPLE XXXX VERIFIED THIS ACCOUNT? THIS IS FRAUD AND I WILL BE SUEING IF THIS IS NOT REMOVED IMMEDIATELY. Transunion already deleted this account months ago. 
Check the attachments to see XXXX XXXX withdraw claim months ago and also a letter from XXXX XXXX as well recently stating they have nothing and should contact XXXX XXXX since the account was sold to them. Its impossible for XXXX or Experian to verify this account since neither company can verify when I contacted them directly. 
Remove this account right away, this is a fraudulent entry on my report and both XXXX and Experian are breaking the law and committing repeated FCRA violations. 
These credit reporting agencies are willfully defaming and will be suing to the full extent I'm allowed for damages to my financial well being. 

XXXX XXXX XXXX XXXX is an unverifiable account and must be removed immediately.
Consumer complaint received 2018-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC (VA)

I was trying to work with XXXX XXXX previously to resolve the debt but due to my work schedule I had them working with my wife after giving permission multiple times and advising them to not contact me directly but her. She tried to make arrangements but the calls were not made to her as scheduled and without the proper follow ups she was unable to make arrangements that were satisfactory. This went to Glasser and Glasser and I got one letter dated XX/XX/2018 that came sometime around the first week of XXXX. I tried to call the number on different occasions and always got a voicemail or busy signal. No calls were ever returned to me. The next thing I see is a notification from the post office that another letter is on the way and when I checked court records they have filed a warrant in debt. ( I am scheduled for notification from the post office due to not getting my mail as scheduled and still do not know if this will actually show up ). I am extremely upset as I was not given proper opportunity to try to work out a settlement and get arrangements in place. I was only contacted the one time. This is not fair and absurd. It is not my fault they have the office number set up to not work or choose to not return calls. Also more than one letter should be sent.
Consumer complaint received 2018-10-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (AL)

I'm XXXX with health issues and I was leaving alone in a rented apartment. All of my children live in Georgia and only way to get help was to move there. I went and spoke to the property manager and explained my situation after reading my lease it say that I could be let out of the lease for health problems. He signed off and said that I could leave owing a zero balance then months later I try to rent a place in Georgia and they denied because this apartment complex had put XXXX on my credit saying that I owe them for leaving put that is not true. I've tried to speak to someone there but since I left they have had several new property managers and they all say that they can't help me. I want this removed from my credit asap. I didn't break my lease, I was let out of my lease
Consumer complaint received 2018-10-10
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. (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern, On [ Date ], I wrote to tell you that I had not heard about any specific action taken by you to re-verify theitems I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding.

Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1965 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX, account numberXXXX is fraudulently and inaccurately being reported on my XXXX AND TRANSUNION credit files. 
Here is my history of the card to the best of my recollection : I originally received the card with a {$300.00} limit.I used the card twice for about {$50.00} each time and I paid on time.About one or two months later there was a charge for XXXX XXXX or something like that in the amount of {$120.00}, charged in XXXX XXXX, somewhere I didn't go.The card had been '' skimmed. '' I cancelled the card and paid a {$100.00} " cancellation fee. '' I got a new card in XX/XX/2014 which I used and paid.When I got the bill, what was on it was not my charges.I called and cancelled in XX/XX/2014.
Consumer complaint received 2018-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX I received a letter from Capital One that stated that I was being denied a credit increase on the account ending in XXXX for the following reason : A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. 
I request that Capital One provide the following : The specific account activity that was used to deny my request for credit. 
A copy of my credit report and score used in this determination A copy of Capital Ones guidelines and policy for granting credit line increases. 
Facts : Credit Utilization Acct. # XXXX = 17 % late payments = 0 History = >7 years Resolution : I ask that Capital One reverse this negative credit decision based on the facts and my more than 7 years of perfect payment history. My income and payment history do not warrant a denial of credit. Capital One should ensure that no discrimination or unfair practices are affecting this decision. 
I have a stellar account in perfect standing and yet no credit line increase request has been granted in approximately 4 years. I ask that a detailed review be conducted and that my request be granted based on my history as a model customer of Capital One.
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I explicitly requested from XXXX XXXX XXXX a scanned original consumer contract bearing my actual signature and they have not provided me with that at all. What was sent to me were some statements, bills, and itemized lists -- all of which are NOT proper validation under the FCRA and FDCPA. If XXXX can not provide the REQUIRED scanned original consumer contract / original instrument of indebtedness in its original form, then I demand that this account be IMMEDIATELY DELETED from my credit reports. Again, the law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer  documentation is required to consumers, particularly upon their request. Furthermore, XXXX, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.
Consumer complaint received 2018-10-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I got a call from some agency saying they were with the government and they needed to verify my accounts before I could apply for a loan consolidation for my student loans. I gave them my info and then i was told that i wasn't approved but owed money and if i didn't pay today that i would be sent to collections and sue if i didn't immediately wire payment. I called and sent the money in fear of being sue or getting in trouble because I'm XXXX XXXXXXXX XXXX. Shortly after, i tried to log into my bank account and my password was changed and i was locked out of my account. I was unaware that someone had log into my account and applied for a loan for {$6500.00} and a cash advanced for {$2500.00}. I DID NOT APPLY FOR THIS PERSONAL LOAN OR THE XXXX XXXX. Financially I CAN NOT PAY THIS BACK due to the fact I never approve or applied for the loan or XXXX XXXX and don't have the money too. This has been a hassle and stressful situation trying to get my self out of debt and this had put me in a deeper hole and potentially ruined my credit.
Consumer complaint received 2017-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2018-10-11
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: Experian Information Solutions Inc. (IL)

EXPERIAN COMPLAINT Experian intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXX repeated requests. Second, Ms. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Ms. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Experian again went silent.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

An unknown account, XXXX XXXX is currently reporting on my Experian credit report which does not belong to me. The account also was reporting on my XXXX account which I disputed and deleted from my report. Experian has not provided me with any mechanisms or procedures in their investigation.
Consumer complaint received 2017-09-08
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. (CO)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2023-08-24
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Account # XXXX This account is paid in full. I have attached a receipt XXXX XXXX XXXX emailed to me after receiving payment in full. 
Please remove this account my credit report immediately thank you.
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (AR)

I had to reach out thru the CFPB to have any contact from HSBC in the first place back in XXXX. 
Now, here we are, XXXX, XXXX XXXX, my case handler, did NOT handle my case. She emailed me to get the CFPB claim closed, but the email address and phone number are both COMPLETELY bogus. 
HSBC had NO issues having their collections department contacting me. I tried their " general '' phone number, guess what, since there is a card they opened incorrectly under my social security number, I can't verify so it hangs up on me. AGAIN, I can NOT make a payment. I have no way to speak to anyone. Chat tells me I have to call. I can not login on the website, and my " point of contact '' was fictional. 

Dear XXXX, I received your concerns shared with the CFPB. I was disappointed to read about your experience. Im sorry for your difficulty. 

I will be your point of contact on this matter. As soon as I have an update or resolution, I will notify you immediately. 

Please contact me directly if you have any questions in the meantime. 

Best, XXXX XXXX XXXX Manager, Executive Office | HBUS Customer Relations XXXX XXXX XXXX - XXXX XXXX, NY XXXX ____________________________________________ Phone XXXX XXXX XXXX Fax XXXX XXXX ____________________________________________ All XXXX. She never replied to any emails I sent after this.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with American Express that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.
Consumer complaint received 2017-09-08
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. (CA)

" Equifax computer systems were struck by a cyberattack that may have affected about 13 million U.S. customers from XX/XX/XXXX-XX/XX/XXXX. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' According to Equifax, my information may have been compromised.