davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-10
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. (MI)

At the end of XXXX, I called XXXX. My name is XXXX XXXX. They have me linked to someone else named XXXX XXXX. I just opened my own bank account and am XXXX years old, but there are hard inquiries I've never made linked to my credit report under XXXX XXXX.
Consumer complaint received 2018-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

My loan was transferred to XXXX XXXX by my college. XXXX then became XXXX, and since then I am unable to access any account information. Their website has stated that the login function is " temporarily unavailable '' for over 4 months. I can log in by using the " change password '' function, only to have no accounts displayed. Calling in also results in being told there are no accounts under my social security number. 

I am thus unable to view my current balance, method of payment, or any account information at all. Research shows that it is a common problem. I should not be completely prevented from obtaining information related to my loans if XXXX wishes to be the servicer.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I have an account my credit report named XXXX XXXX XXXX only credit my report that was removed prior by the credit bureaus. However, it has reappeared on my credit report. I have sent a letter to all 3 credit bureaus certified mail to get them to remove the derogatory remark, the credit reporting agencies have not responded. It has been over the 30 day validation period and I still have not received a response.
Consumer complaint received 2018-08-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (OH)

CONTACTED SERVICER XXXX=CUSTOMER SERVICE REP STATES THAT XX/XX/2018 ESCROW ANALYSIS WAS COMPLETED AND SENT TO BORROWER VIA US MAIL , SHE PUT IN ORDER TO EMAIL ESCROW ANALYSIS, AND WE SHOULD GET IT IN 24-48 HOURS THE CURRENT PAYMENT AS OF XX/XX/2018 IS {$680.00} UPB $ XXXX..UNAPPLIED/SUSPENSE BALANCE $ XXXX.SHE TRANSFERRED US TO DEFAULT DEPT ... .... 
1ST REP XXXX/ID XXXX=SHE STATED BALANCE DUE WAS XXXX 3 MONTHS DELINQUENT BREACH LETTER WENT OUT. 
1ST REP XXXX/ID XXXX ... SHE PUT IN TICKET/CIT REQUEST TO REQUEST THAT FUNDS IN UNAPPLIED BE PAID TO XX/XX/2018 PAYMENT, SHE PUT IN THE SYSTEM THAT THE BREACH LETTER IS NULL AND VOID NOW. THE BALANCE SHOULD NOW BE {$2300.00} ONCE UNAPPLIED FUNDS POST TO ACCOUNT.

WE ASKED IF THIS BANK ERROR, ( SENDING PAYMENTS BACK SUCH AS XX/XX/2018 RETURNED {$580.00} THAT IS SET UP ON AUTO DEBITED FROM HIS CREDIT UNION ACCOUNT BY HIS CREDIT UNION ) HE WOULD HAVE LESS OF A DELINQUENCY BALANCE AND SHOULD NOT HAVE INCURRED ANY LATE FEES. REP RESEARCHED THIS QUESTION AND STATED=SHE FILED ANOTHER CIT TICKET TO HAVE LATE FEES REMOVED FOR XXXX, XXXX AND XXXX WHICH is PENDING AT THIS TIME, REP NOT SURE HOW LONG THIS WILL TAKE TO ADJUST.. MR XXXX REQUESTED THAT THE ADJUSTED/CORRECTION BE EMAILED, REP STATES IT WOULD NOT BE READY SINCE SHE  JUST SENT THE CIT TICKETS, HE WILL NEED TO CALL BACK TODAY OR TOMORROW. 
As of this date they have not completed the CIT tickets Completing the tickets would give me the actual balance due in order to bring my payments current. I pay my mortgage through my bank auto-pay. My payments were never late. 
They force applied insurance when I have insurance, made payments to the insurance company out of my mortgage payments. Wanted me to pay them {$3800.00} by XX/XX/2018. 
Charged me late fees when I was never late due to auto-pay. 
Have not completed CIT tickets so I can bring my account current.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MD)

I will apply my legal options to sue XXXX XXXX for false advertisement and taking advantage as I am a XXXX woman and discrimination due to my race as XXXX XXXX. 
XXXX XXXX advertise Earn Rewards* Every Time You Shop. You will get {$10.00} Rewards* for every 400 points earned at all XXXX XXXX. {$1.00} spent = 2 points earned. 
I spent {$270.00} out of {$500.00} which XXXX miscalculated I have {$100.00} left. I used my XXXX XXXX card one time for purchase {$220.00} however when I called them the account manager was so rude malicious and discourteous, that he refused to investigate the issue. 
The receipt I am providing, attached will demonstrate that the shipment was spilt up the points I earned and the amount calculated with shipping cost {$15.00} : {$84.00} which I earned XXXX points {$82.00} which I earned XXXX points {$59.00} which I earned no points As you review the transactions of the order receipt ( See Attached ) : Order Number : XXXX its a breakdown of the products I purchased by XXXX XXXX customer service which demonstrates that I purchased : {$82.00} I ordered boots {$82.00} I ordered Fragrance and Perfume {$59.00} I ordered a reef for my door and black leggings The shipping cost for all these products purchased was {$15.00} which gives a grand total the purchases I ordered {$220.00} However, when you review the credit card account activity that XXXX XXXX break down of what I purchased. XXXX XXXX   input as the transactions Bath products which I never ordered any bath products at all. Someone at XXXX XXXX credit department input the activity with the wrong transactions and falsified what I purchased, I never ordered any bath products. 
Please review attached ( See Attached ) XXXX XXXX input false transactions on what I purchased on my XXXX XXXX credit card activity I & II XXXX XXXX must have competent employees to input the correct transactions I purchased which I never purchased any bath products and correct the rewards program. 


The rewards program XXXX XXXX states that I earned XXXX points ( see Attached ).  Then as I look further in the website XXXX XXXX states that I earned XXXX points, this is unacceptable.
Consumer complaint received 2018-07-13
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: CL Holdings LLC (FL)

I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (CO)

One of XXXX XXXX XXXX credit card debt collectors keeps calling me after i told them like 2 or 3 times to stop calling me. I even told them that its harrassment to continue calling me. I disputed back around XX/XX/XXXX because i didn't authorize it and someone took it out in my name without me knowing about it. It was approximately taken out in my name around XX/XX/XXXX i think guessing and its over 10 years old the debt. I told them i ain't paying it either and they can't go after me since its over 7 years old. I would like them to stop calling me repeatedly harrassing me for the {$900.00} something debt owed since its been disputed and its over 10 years old. Im not going to pay them because i didn't authorize it. I want to be left alone and not contacted again by them.
Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (MD)

I order items from XXXX  2022 but I returned all items because issue with every last one of them. They accepted my return but then my credit cards got stolen and bank dispute some charges because I had return these items they said they received them and put system as return. I then dispute all stuff from credit card at the time and Im assuming they took charge back but they told me they received the items and they have been returned which the document show it was returned. But they are still trying collect on debt that shows returned.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P. (AL)

On XX/XX/2018, XXXX  XXXX XXXX LTD Financial Services called me and stated that he was calling in reference to a debt that I had owed to XXXX XXXX XXXX in the amount of {$2300.00}. I stated that I had attempted to pay them and another firm but they said they did not have the file. I asked him how he got the file and he said that I had been contacted several times which is not a true statement. XXXX XXXX stated that they could make a settlement with me for {$1800.00} if I pay by XX/XX/XXXX. I said that I needed it in writing. He said he could not mail me anything but it had to be faxed. I sent him my fax number at work. He sent me the document. Now he keeps calling me asking me to send a cancelled check online for payment. The deadline has not passed. He is very rude and raises his voice saying things like " We are offering you {$600.00} reduction! ". I asked him to stop calling me and he stated " You were suppose to call me back! '' I feel that I am being harassed and not been given proper notification or time. I contacted the other firm ( XXXX XXXX ) and they said that they had not attempted to contact me at all.
Consumer complaint received 2018-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I opened a Kohl 's capital one credit card in XX/XX/XXXX. I used it one time on XX/XX/XXXX for a purchase of {$79.00}. I never received a billing statement or a phone call until XX/XX/XXXX. When I received this phone call, I made a payment of {$50.00} immediately over the phone that day and paid the card off completely with a {$100.00} payment on XX/XX/XXXX. While applying for a mortgage loan in XX/XX/XXXX, I discovered I had two late payments on my credit report from Kohl 's. A 30 day late on XX/XX/XXXX, and a 60 day late reported on XX/XX/XXXX. I contacted Kohl 's and explained that I had not received any sort of statement, and I also had not received my Kohl 's card on XX/XX/XXXX, I was told by a customer service representative that he spoke to their manager and " there was nothing they could do. '' I sent a letter to the main Kohl 's office that same day and never heard anything in return. These late payments dropped my credit score 160 points and has prevented me from getting a mortgage. If I had received a bill in the mail or a phone call before XX/XX/XXXX, I would have paid the bill immediately. I have never been late for any other payment.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation (CA)

This company has been calling my cell phone consistently since the end of XXXX. Sometimes there are four phone calls in one day. Because of the amount of calls received and no messages ever left I called the number back on XX/XX/XXXX. At that time the person said they were trying to collect a debt and sending written notices to an address I haven't lived at in over five years. I told the person the debt was not mine. I also had informed them that I had filed bankruptcy in XX/XX/XXXX and any debtors I was aware of at that time were included in my bankruptcy. I told them they were to immediately stop contacting me, there should not be anything placed on my credit report since the debt is over two THOUSAND days old and again reiterated that the debt is not mine. The male agent threatened me with legal action and at that point I hung up. The calls have continued at an increasing rate since then and they are becoming annoying and harassing. 

PLEASE NOTE THAT THE ADDRESS I'VE PROVIDED IS NOT THE SAME ADDRESS THIS COMPANY HAS ON FILE FOR ME. THEY HAVE AN ADDRESS FROM 2013 AND I DONT WANT THEM HAVING MY CURRENT ADDRESS. ALSO, SINCE THEY CLAIM THIS IS A XXXX   XXXX DEBT THEY SHOULD NOT HAVE MY SOCIAL SECURITY NUMBER WHICH IS WHY I'VE NOT PROVIDED IT. THEY WERE ABLE TO PULL MY INFORMATION UP WITH JUST MY PHONE NUMBER WHEN I CONTACTED THEM SO A PHONE NUMBER SHOULD BE ENOUGH INFORMATION
Consumer complaint received 2018-07-13
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)

XXXX, Equifax, XXXX has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX   2. XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

Requested proof of debt, due to not doing business with this company before. They sent back a generic bill stating I owed {$300.00} less that what is reported on my credit report. They then forwarded this to a XXXX party to try to collect this alleged debt and all the communication from them was in XXXX, I then called and requested proof of debt with whom they forwarded this to and for a language change to XXXX and they still have yet to do either and its been XXXX  months.
Consumer complaint received 2018-07-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MIDCOUNTRY FINANCIAL CORP (RI)

I was working with a financial advocate to clean up my credit report and get my debts cleared and in doing so we disputed some things on my credit report to make sure things were accurate. A payday loan that I took while I was in the military service from a company called XXXX XXXX is the problem. I initially took the loan for {$3000.00} dollars on XX/XX/2013. I paid this loan until I was XXXX from the military on XX/XX/2013. I brought this balance down to {$1600.00} dollars over this course of time with {$120.00} payments every month via an alotment on my paycheck. After I was XXXX from the military I lost everything and I went through a period of XXXX. Working with the advocate, after we disputed and checked the accuracy of the debt and it was reported completely accurate at {$1600.00} dollars by all three credit bureaus. Within 60-90 days of getting the reports that it was accurate, the creditor sold my debt to another party and increased the debt to {$4100.00}. This is a violation of the fair credit reporting act and the fair debt collection practices act and therefore, I want the amount to reflect accurately and I want to stop this company from doing this to veterans like me. I need help bringing a suit under the fair debt collection practices act.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally file a complaint against XXXX for its willful violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( c ), concerning the removal of adverse information resulting from my status as a XXXX XXXX  XXXX. Despite my submission of valid documentation and multiple attempts to have this harmful information removed from my credit report, XXXX has refused to comply with its clear legal obligation. 

As stipulated by the FCRA 605 ( c ) ( 1 ), no consumer reporting agency may furnish any adverse information regarding a consumer if it is the result oXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have met every legal requirement necessary under this statute, including providing documentation as required by law under 605 ( c ) ( 2 ). The law is unambiguous : once a consumer provides such documentation, the credit reporting agency must remove the adverse information. This has been affirmed in Doe v. Equifax Information Services, XXXX, XXXX XXXX Dist. XXXX XXXX, which emphasizes that non-compliance with 605 ( c ) constitutes a direct violation of the FCRA and subjects the reporting agency to legal consequences for damages under 1681n and 1681o of the FCRA for willful or negligent non-compliance. 

XXXX 's refusal to act is not only a violation of federal law but also a blatant disregard of my rights as a survivor. This continued reporting of inaccurate and harmful information has caused substantial damage to my creditworthiness, in clear violation of the FCRA and its protections for XXXX XXXX XXXX XXXX. As a XXXX, I should not continue to suffer the consequences of adverse information directly linked to the trafficking I endured. 

I am demanding immediate corrective action to remove this adverse information from my credit report and to ensure that XXXX complies fully with the FCRA 605 ( c ). Failure to do so will result in further legal action, as XXXX  ongoing non-compliance constitutes willful negligence and opens the door for legal remedies, including statutory damages, actual damages, and attorney 's fees under the FCRA. 

Please provide confirmation of action and resolution on this matter promptly, as I expect this serious violation to be addressed without delay.
Consumer complaint received 2018-09-20
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. (WI)

I have made multiple requests of validation for an account with XXXX XXXX   collecting on behalf of XXXX XXXX that currently appears on my credit report. XXXX XXXX has been unable to provide validation that meets federal requirements. Despite their inability to provide proper validation TransUnion has decided to continue reporting this information on my credit report. I received a notice from XXXX XXXX XXXX  on XX/XX/2018 stating they now own the debt, further making the entry from XXXX XXXX invalid. I have requested validation from XXXX XXXX XXXX  and am optimistic I will receive the needed information to determine the validity of the debt they seek to collect. Since XXXX XXXX no longer owns this debt and the current owner has yet to validate the information, I respectfully request that you remove this entry immediately.
Consumer complaint received 2018-07-12
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: EQUIFAX, INC. (CA)

I reviewed my credit report and found that several companies did hard pulls on my credit report. XXXX recently did a hard pull of my credit. I spoke to a sales a agent in my front yard about signing back up for their services. The sales person said that they would not run my credit. I signed up to speak to someone. I never gave my SSI number ever. my wife was standing next to me when the sales person said 5 or 6 times they would not run my credit. They asked for my driver license number so they could run a premise history. When I check my credit I noticed XXXX conducted a hard inquiry. I contacted XXXX along with the sales person and they did not have any answers for me. This is the 3rd time XXXX has run my credit over the last 2 years without permission. I submitted a dispute with Equifax and they spent a whole 24 hours conducting an investigation. 

I also submitted a dispute on XXXX XXXX They did a hard inquiry in XX/XX/2016. I have made several attempts to file a dispute with Equifax and they continue to say the company had permission. I have never heard of the mortgage company and I was not looking for a montage.
Consumer complaint received 2018-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (CA)

Hunters Warfield is reporting a collection on my credit file that was removed over a year ago. I am in the middle of escrow, this collection being re-added to my credit has increased my interest rate significantly. This is unacceptable and unfair. I know nothing about this account and the credit bureaus have a police report with the original creditors name, thats why the account was removed over a year ago.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On or about XX/XX/2018, Credit Card was hacked and used for purchase as well as a deposit from an account that did not exist. The limit that was given to me on my card was for XXXX and it has been rung up for XXXX. How is this even possible. After trying to resolve with the Credit Card company, they said I had to file a police report. all this explanation and police report has been filed and they are still charging me fees for not making payments., I refuse to pay any charges that I have not made. They continue to charge me every month as well as report to the credit bureau of my delinquent payments. Not fair if they have not done anything to try to resolve this matter. I am flagged from getting any other card, as my credit score has diminished drastically because of this.
Consumer complaint received 2018-09-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, XXXX, and Transunion ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business  procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.