davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (CA)

I have been receiving phone calls from XXXX XXXX XXXX, who claim to be acting on the behalf of CheckSmart, since XX/XX/XXXX. They said that they were hired by the company to settle a debt from XXXX, before it'd go to court for me to be sued for the amount supposedly owed. 

In the several phone calls that I have received and answered, I was told that the creditor had taken this matter court and that I would be prosecuted for fraud if I didn't settle. When I heard the representative say that it was taken to court, I asked where, and was told in Ohio. I asked for the claim number and was then told that it Could be taken to court but that it hadn't yet, and that the only way to stop that from happening was to pay the debt. 

In every single phone call I disputed the validity of the debt and requested verification, ON SEVERAL OCCASSIONS FROM SEVERAL REPRESENTATIVES. In a conversation with a XXXX, who claimed to be the manager, I asked to be sent the verification via email, and instead, on XX/XX/XXXX, I was sent a link of a PDF letter that again claimed a debt was owed, with no actual verification of the debt provided. The most recent call with the same manager, XXXX, I once again requested the same verification as from before. This time he told me that he didn't have that verification, and that the creditor he was collecting debt for hadn't given it to him either, so there was nothing that he could send to me about it. I then asked from what was he was basing his collection of debt from, and he tried explaining to me how debt purchasing goes between a creditor and a collection agency like his. 

I became irate at the fact that this company, XXXX, and its representatives had been calling me for months, multiple times a day, making claims of fraud and threatening to sue me in court, were doing so without having the verification of the debt they were referring to in the first place. 

Nothing, so far, has hit my credit profile, and aside from the link to their portal to make payments, nothing has been to sent any of my addresses ( email or physical ) as it relates to this supposed debt owed either.
Consumer complaint received 2017-03-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified Capital One of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said Capital One would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NC)

My complaint is in regards to a recent claim dated XX/XX/2017 regarding account # XXXX for the amount of {$110.00} which XXXX claims to have sold to LVNV Funding, aka Resurgent Capital Services located at XXXX , SC XXXX. 

I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. They continue to report this on my file with XXXX who have reported this debt as being disputed, but LVNV Funding, aka Resurgent Capital Services has not updated this debt as disputed. Therefore, they have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (WI)

I am filing a complaint of stolen identity. A card was opened under my name and social security number. This was fraudulent and there were two charges placed on the card totaling more than {$4000.00}. I just found out today XX/XX/XXXX. The address is an old address of mine and the phone number is incorrect. It was used in a different state than where I live. It says it was opened XX/XX/XXXX and on XX/XX/XXXX a charge of {$3100.00} and a charge of {$1400.00} were made on the card, totaling {$4600.00}. I did not make these charges. I did not open this credit card. I did not authorize these charges. I called XXXX under comenity bank and notified them of the fraudulent credit card opening and use immediately ( today XX/XX/XXXX ). I need to report this stolen identity and fraud so that my account can be closed and the charges can be removed from my name and SSN.
Consumer complaint received 2017-03-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Radius Global Solutions LLC (TX)

Central Credit Services just started appearing on my credit report from one day to the next. I never received a notice with the right to dispute. Because I have been a victim of True Name Identity Theft, I called Central Credit Services to dispute the item appearing on my credit report. I was on hold for 20 minutes before they were able to find an account that they claim is mine. They did not have the correct address, nor do I owe any money to any company they claim I owe money to. 

The agent said on the phone that he would send me an itemized bill to show this is my account, as I told him this is not my account or bill and sending it would n't be sufficient proof that this account is mine. Furthermore, they have the incorrect address.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Experian credit reporting application will not allow me to access my freeze. Im not able to login because Im not able to see if my credit has been frozen or I cant see if I can thaw my credit. Is the credit reporting agency Im having an issue with. Im not the only one this has been persistent for many months and Ive not been able to login for a good time. The last time I was able to login was XX/XX/2023. This company also makes it very, very hidden ways to actually view if my Social Security number has been frozen on Experian, the other two credit agencies, XXXX and XXXX XXXX I have no problem and I verify that my credit is frozen with them gives me the error that their side is down or theyre having problems or dont and I know for a fact, I have the correct ID and password When I try to call Experians toll-free number the system does not allow me to talk to a human. Ive spent numerous hours on hold and can not communicate with any human to help me gain access to my account.
Consumer complaint received 2021-01-07
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: PENTAGON FEDERAL CREDIT UNION (FL)

Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

I received a notice that my Experian password was changed ; I did not do this. Now I can not get into my account or get anyone to speak with on the phone in their automated system. 

I emailed Experian but have not yet heard back. I keep my credit frozen due to a number of breaches that exposed my SSN. I am very concerned that a hacker un-froze my credit or used it. My phone number and other security questions no longer help. 

I am mainly frustrated that Experian seems to have no working customer service line to help with issues such as this.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I received an email from Experian XXXX about a new inquiry fro XXXX XXXX. At the bottom of the email it says Log in now. The problem is when I try to log in it wont accept my pass word or pin. This has caused me to change my pass word or pin twice. And the log in now on my email still wont accept my pass word or pin. 

When I go online and log in at Experian my pass word or pin is accepted but the site doesnt provide any information about the new inquiry from XXXX XXXX XXXX seem all your site consists of is ads and offers. There is no information about my credit that I could see.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DE)

I keep trying to create an account on Experian to unfreeze my credit report, but I always receive a message from them stating, " Your user account has been created, but the registration process failed for some reason. Please sign in to your account and try again. If you continue to have issues, please contact Customer Care at ( XXXX ) XXXX. '' I attempted to call customer care, but they were not helpful at all. They do not have human customer service representatives, so I could not reach anyone to assist me with my issue. Therefore, I am filing a complaint against Experian. I need a way to unfreeze my credit report with Experian.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (VA)

During the third week of XXXX I came across and advertisement by BMO Harris Bank to open a checking account, satisfy " 1 ) Open a new BMO Harris Everyday Checking ( R ), BMO Harris Select Checking ( R ) or BMO Harris Portfolio Checking ( R ) account between XX/XX/XXXX and XX/XX/XXXX in a BMO Harris Branch or by calling XXXX. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. " I then called the number listed on the advertisement and spoke to a representative who I asked to confirm that an ACH deposit that comes in with the account number and routing number qualifies as a direct deposit, and I was told YES. 

Based on this, I opened over the phone with that representative. They sent me a package in the mail that had account information and my signature card. I sent the signed signature card back, and went on banking normally. I then had to ACH deposits into my account from an external source for work I did credit into the account each for more than {$300.00}. After both posted in the account, I called and spoke to a representative who informed me that this WOULD satisfy the requirement for the bonus ( FlexCodeXXXX ) and that I was all set, because it was just " outside money. '' Feeling a bit hesitant because that representative used wording that was neither on the offer nor had been used by the other representative, I thank the representative and hung up, and called back the next day to again to confirm. 

This time, the representative first said the same thing as the representative I spoke to on the day prior " foreign money, '' however when I asked her to double check, she came back and told me that she had miss informed me. When I asked to speak to a manager, she put me on hold for over 20 minutes, and then the line just disconnected. 

I called again and had to jump through hoops to get to a manager where I was told that those deposits would not qualify me for the bonus. When I asked to speak the a manager, and had a representative from corporate call me back, they said and I quote " NO one here will give you a bonus. '' They then continued to be very rude and yell at me over the phone, and it was a very uncomfortable conversation. 

It has been a huge headache and a pain to deal with this bank as they treat their customers very poorly and do n't honor their marketing campaign. They deceived me to open an account, and than do not want to honor the bonus for me, but rather want to treat me rudely.
Consumer complaint received 2023-07-28
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. (FL)

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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

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

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Hello, on XX/XX/2017 and XX/XX/2017 XXXX of XXXX XXXX FL XXXX reported the same Collection account on my Credit report. This is malicious intent to ruin my life to report the same account within two weeks of each other dropping my credit score. There is a open dispute with the first account as I feel it is fraud and to come back within two week and add the same Collections account definitely has to be fraud. Please help
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/XXXX I ordered XXXX cashier 's checks for {$2000.00} each to be expedited to an address in XXXX. Through mislabeling on Ally Bank 's part, those checks did not reach their intended recipient. It has now been 1 month since I have requested the money be put back in my account and it has not happened. I have been told three different stories from Ally about them either being mailed out, or the money being put back in my account that has yet to happen.
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (KY)

I have had accounts with Navy Federal Credit Union for over 10 years. They have repeatedly closed my accounts as part as collection practices. Even now my checking account was closed because of collection efforts from a secured loan. This is the second time they did that.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Illinois Collections Inc (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX  dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

XXXX XXXX and Knight Adjustment bureau are reporting the same debt on my credit file. I recently checked my credit and noticed that XXXX XXXX was reporting a balance on an account that they closed and transferred to Knight Adjustment. I was never aware that I had debt with XXXX XXXX and I was never notified that I was being sent to collections. I never received notices from XXXX XXXX or Knight Adjustment before it started to report on my credit. This is in clear violation of my 30 day right to dispute and the FCRA. This account is ALSO double reporting which is another violation under the FCRA. They need to remove these accounts immediately.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (KS)

In XXXX I paid for and entered into XXXX XXXX XXXX XXXX XXXX. My mortgage payment was faithfully, automatically deducted bi-monthly from my checking account. Through a series of communications in an attempt to sell my property I discovered that my equity was never enhanced and that XXXX XXXX had given my account to Paymap , Inc . I also discovered that there was a lawsuit against Paymap for fraud. Can you help me recover any of the funds that Paymap, Inc. cheated me out of? I know the lawsuit was filed in XXXX, but I was never notified and although this practice was discovered to be fraudulent, Paymap, Inc. continued to defraud me until XXXX.
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX, 2017 I attempted to dispute inaccurate information on my credit report pertaining to XXXX XXXX and a 30 day delinquency reported for the month of XXXX but was denied. XXXX XXXX has been an issue on my credit report for the past few months but Experian fails to conduct a thorough investigation in regards to reporting guidelines for creditors. XXXX XXXX continously reports delinquencies before the 30 day make has reached. The most recent occuring on my credit report took place on XXXX XXXX, 2017 when XXXX XXXX reported my account as 30 days delinquent. My payment is due on the XXXX of each month and my mot recent payment was submitted to XXXX XXXX by telephone on for XXXX on XXXX XXXX, 2017. At no time during my phone payment was it mentioned that I was past due for a additonal payment. The balance that wa reported to me when I asked was XXXX. My payment next payment due date is XXXX XXXX, 2017 and if an additonal payment is not submitted by that day then I would be considered 30 days past due. XXXX XXXX has a habit of reporting delinquencies well before they meet the delinquent mark and I have requested that Experian review my complete history with XXXX but instead they just confirm the informatin instead requiring documentation from XXXX XXXX. When I spoke with XXXX XXXX and file complaints against them they provide contradicting informaiton that suggest that they are follwing rules and in an attempt to stop any dispute process they try to request that I take a settlment in order to avoid arbortraion or any civil proceeding. I feel that Experian is allowing XXXX XXXX to provide inaccurate information purposely. I understand that each creditor reports information at differetn times of the month but my payment history reflects that payments were made before a 30 day dispute should have ben submitted. As of XXXX XXXX, 2017 I am 22 days past due. The balance they reported and the past due is also in correct. The balance that was reported t me was XXXX. Attached is a copy of my bank statement with my last XXXX payments and my original payment schedule which reflects that my payments are due on the XXXX day of the month which reflects that my account is still in good standing.
Consumer complaint received 2023-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion will not allow me to view my credit report online. In 2019 I asked them a couple of times to remove a collection from my account. I even hired a third party The XXXX XXXX  to help with the process. When Transunion would not respond. I had a lawyer send out a letter demanding they remove the collection. 

Once Transunion removed the collection they are making me only able to receive a credit report via mail. When I called them and asked them why was this the case. They told me because I violated their policy by having a lawyer contact them.