davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC (PA)

Collector called my place of employment numerous times after I asked them not to. Collector called my boss and asked the best way to gain entry to inside the building. Collector threatened my spouse stating that she pay my debt now or face wage garnishments of 25 % or a seize of joint bank accounts will occur. Collector calls my phone an obscene amount of times in a 24 hour period. Collector has threatened to sue me. Collector states they need me to meet them somewhere for serving me legal documents. 

I offered to set up a monthly payment plan in an attempt to pay off an extremely old debt ( 4 years old XXXX Collector refuses my attempts to settle.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NC)

I was lured to opening an account because you could get {$25.00} off your first purchase, I was approved for {$1200.00} which I was happy about because I had been working to improve my credit and that validated I was doing a good job. I used that card I think I had a a {$400.00} something dollar balance I had gotten a bonus from work and decided I would go ahead and pay it off. After I ended up using the card two more times then did a return on one of the items, then went back to try and find something else on another day XX/XX/20 to be exact, when I went to check out the card kept declining, I was very embarrassed and asked if I could step aside and call them because I should have way more then enough to cover. Well when I call I am told that the account was closed on the XXXX, when I asked why she said that XXXX advised them to close the account because I had a lot of new inquiries I was like that is crazy, I was approved for the card through Comenity Bank. The representative told me to call XXXX   which I did three times and all 3 times they told me they do not do that, they don't notify companies after the card is approved, and that this particular account was in good standing and they were not even showing it closed so I called the bank back and they told me the same story but told me I could apply again in 30 days. This seems very unfair to the consumer, I was in great standing with the account made payments on time. paid balance in full, I mean what more do they want? So now if I want to apply again I have to take another hard inquiry on my credit. Once you are approved for a card and you keep it in good standing they shouldn't be able to close the account under false pretenses, this is why people are struggling with credit because they ae being railroaded by the credit companies
Consumer complaint received 2020-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

Dear Sir or Madam : 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 still have not received written confirmation of these actions. As I stated before : 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. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE AND SEND BACK TO XXXX SO THAT THEY CAN INVESTIGATE AS YOUR COMPANY WAYPOINT NOT XXXX IS REPORTING AN ACCOUNT THAT IS A RESULT OF IDENTITY THEFT. I WILL BRING LEGAL ACTIONS IF THIS IS NOT REMOVED WHILE INVESTIGATED.
Consumer complaint received 2020-08-19
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I tried to add a new bank card number to my existing Boost account with Experian. I was unaware that the system would try to perform another Boost on my account. My credit score was XXXX and it dropped to XXXX. I also received multiple duplicate messages that my account had been disconnected. When I tried to reconnect my account I kept receiving an error message that Experian was experiencing technical difficulties. I called and spoke to numerous agents at different times who would not assist me. I finally called in one day and asked for the issue to be forwarded to the technical dept, I also asked to speak with management. A manager by the name of XXXX came on the line but she was not helpful at all and she seemed quite agitated that she had to take the call.I have since called back four times. I have been given numerous ticket numbers, but no real answer if someone is really working on my case. I'm beyond outraged at the lack of professionalism and concern for fixing this issue with my credit. I've been working on my credit for almost a year so this is very upsetting to see them taking this so lightly. This issue seems to be an ongoing problem that needs to seriously be addressed by Experian.
Consumer complaint received 2020-08-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: THE MONEY HOUSE, INC. (PR)

My rights were denied.the mortgage company appointed my closing lawyer ( agent ) I never knew who my representative was, until the XXXX before the closing when he called me.He never identified himself as my closing agent.I was assigned a hazard insurance policy generated by the mortgage broker.A stripped down policy that covered only {$160000.00} of a {$190000.00} purchase price.Ironically the closing agent sold the ( XXXX XXXX ) policy.This a form of liability which protects the homeowner from lawsuits against the property.Closing documents were given to the realtor without my consent.
Consumer complaint received 2020-09-21
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: Bread Financial Holdings, Inc. (IA)

XXXX booked vacation through XXXX from XXXX through XXXX in the amount {$930.00}. We were to stay at XXXX XXXX XXXX, XXXX XXXX, XXXX. 
XXXX received e-mail from XXXX that our trip had been cancelled due to Covd-19. I was advised that as of XXXX XXXX had paused operation and I would need to contact my credit card company to receive reimbursement. 
XXXX I contacted my credit card company, COMENITY-Orbitz  Rewards Visa Card by phone to receive credit on my account and was advised a dispute would be processed. 
My COMENITY-Orbitz statement showed a credit of {$930.00} plus XXXX interest fee but was again charged back to my account. 
XXXX I received a letter from Comenity requesting information which I sent to them by mail on XXXX. 
XXXX Comenity sent me a letter advising they had received my claim and notification would be made within 90 days. 
XXXX I received another letter requesting the same information. 
XXXX I called Comenity and talked to XXXX advising him I had already sent the information. He advised me to resend the information and that he would process another dispute. He advised that his supervisor had called the resort and it was still closed. 
XXXX received letter requesting information AGAIN. 
XXXX I sent information to them. 
XXXX received letter to Comenity advising they received my claim and they needed another 90 days to complete the investigation. 
XXXX called Comenity and was advised the case was closed in XXXX. I never received notification of this. I requested to speak to her supervisor as she could not give me an explanation. 
Was transferred to a supervisor, XXXX who advised she would send e-mail to dispute department and call me back on XXXX. She advised Comenity received the information they needed from me on XXXX. 
XXXX I called Comenity and talked to XXXX who left me on Hold for 30 minutes and was then cut off. I called back and requested to speak to a supervisor. Was connected with XXXX who advised she was a senior supervisor but could not help me in any way. She advised Waiting for dispute department to make a decision. 

I still have {$930.00} plus interest on my card and received nothing.
Consumer complaint received 2020-08-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2020-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (FL)

I contacted MoneyLion several times to cancel my paid membership and was told I can't because I still have an active loan that is pending collections. I told them the debt owed was included in my Chap XXXX bankruptcy filed on XX/XX/20 and discharged XX/XX/20 and I could provide documentation to prove it. They said the bankruptcy hasn't gone through on their end and I have to wait until that happens before I can cancel the membership. They continue to charge me a weekly fee for a service I am not using. The debt is being reported as included in my bankruptcy and showing a XXXX balance on my credit report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (CO)

I had bought the car back in early XXXX  and immediately was burdened with the loan interest rate at XXXX  %. I rescinded the loan in XX/XX/scrub>XXXX XXXX via certified mail with no response from XXXX  other than I am still responsible for the debt. Due to XXXX 's failure to properly notify of rescind rights, and failure to collect their abandoned property, it still remains in my posession. In XXXX XXXX XXXXXXXX and Bridgecrest committed fraud by accepting an insurance settlement for $ XXXX instead of sending me the check, and still trying to collect on the loan that has been rescinded.
Consumer complaint received 2020-08-21
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 (RI)

This is not a duplicate complaint. This is the results of the outcome of what capital one provided to me last time. 


After submitting my dispute and all proper documentation t capital one, capital one claims they did a fraud investigation and verified a fraudulent item as mine. 

XXXXThey sent me a HUGE envelope from their legal counsel XXXX XXXX  XXXX ( possibly intimidation tactic ) with just pages and pages of this fraud accounts statements mailed to an address I NEVER LIVED AT. How can statements of an account to a fraudulent address be proof?? I am a XXXX veteran and it is a shame to be treated like this. 

Capital One is continuing to report a fraudulent account to my XXXX   credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information them as well as with my 605b FCRA request to block this fraudulent information from my report. THey are in strict violation of the FCRA and this must be fixed.
Consumer complaint received 2020-08-20
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)

This is Fraud and, I would like to report this. Something needs to be done about this i did not give anyone consent to open any Accounts using My personal Information. This Fraud needs to stop in Florida this is very stressful
Consumer complaint received 2017-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one credit card amount {$3500.00} account ending XXXX this account does not belong to me XXXX newyork this account does n't belong to me ask them to verify it they could n't they just said they have no way Of saying I did n't benefit From Whatever products that they sold
Consumer complaint received 2020-08-02
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: Shellpoint Partners, LLC (MD)

My credit was reported that i mixed 2 payments and the balance of my loan was reported wrongs as well i will want that to be corrected on updated on my credit reporting because i have filed a compliant in that regard. 
My Loan balance {$150000.00} -- -- -- -- -- -- -- -- -- -- -- -- {$270.00} Apply to the principal of my loan loan balance is {$150000.00} is my loan balance as of today. please stop reporting false reporting to my credit. 
and i want that corrected. because we had a deal that you said i don't have to pay and even at that the deal was fake but i still made my payments. you went ahead and reported false report to my credit. 
please don't get me in you false bank scam i don't want to be involve in that. i want you to report all my payment and you said that no payment was made which id a false claim too i paid over {$2800.00} IN XXXX AND XXXX alone.
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MA)

Hi and how are you? Listen, I've disputed this account before with Elan FInancial services and they removed it base on the errors and  violations and that i don't owed the debt. How did you get this? Because, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your  authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have sent in a dispute regarding my capital one auto finance report to XXXX a total of 3 times in the last 90 days. Each month I send a letter ( Certified / signature required ) requesting them to correct wrong information and verify / update with correct information. Each month they send me a response that doesnt match my request in the letter provided. Capital one has confirmed to me that my account is not late and should be reported as never late. They have confirmed this several times. XXXX  refuses to report accurate information. Today I contacted XXXX by phone and they were very rude to me. The agent XXXX  was rude and very short. She explains that they do no verify that information is correct. Nor do they read my letters and complete the investigation as requested. She confirmed that the dispute department simply relies on what their computer systems tell them. These errors on my report are hurting my credit score. I believe XXXX  profits on minimizing consumer scores for monetary gain from creditors that prey on challenges credit scores.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/20 i checked my Experian report and its still showing numerous addresses and numerous phone numbers that i haven't live in over 10 years i have tried to dispute this in the past but nothing has changed
Consumer complaint received 2020-06-01
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.