davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc. (OR)

I received a call from XXXX at California Business Bureau from a blocked number, she left a voicemail regarding a debt. I listened to it in my break room and many people are now aware of my debt. I was previously contacted by this company months ago. They did not disclosed they were a debt collector until i asked. I informed them I did not have any knowledge of this and had not got a first notice in the mail. She then said she would send one, still have not received anything in the mail. On todays phone call she verified my address she has on file in Oregon is correct. I asked for another copy of everything, she was RUDE and said " Ma'am i already sent it what's the difference '' I am trying to resolve this matter and she made it very difficult and talked over me many times. I feel degraded and harassed.
Consumer complaint received 2020-10-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}.

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/2020 and the subsequent response received on XX/XX/2020 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.

-- COLLECTION ACCOUNT 1. XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2020-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUN LOAN COMPANY INC. (IL)

I DONT HAVE A LEGAL OR ANY CONTRACT WITH 1 ) SUN LOAN CO 154 2 ) SUN LOANS 151 3 ) SUN LOAN CO I HAVE DISPUTED THESE 3 COMPANIES WITH XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX AND THEY ALL WAYS LIE AND SAY SUN LOAN HAS VERIFIED THE DEBT IS MINES,
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I have a Lowe 's XXXX Credit Card/Synchrony bank credit card. When I applied for the card back in XXXX of XXXX, it had a low introductory rate ( 9.9 % I believe, but can not remember for sure ). It was supposed to go up to 15 % after the term was over. I applied for {$1000.00} USD and they have slowly increased my available balance to a current amount of {$4700.00} without my authorization. Recently, I noticed that I was paying {$200.00} per month and the balance was only decreasing by {$110.00} something a month. The balance was approximately {$2500.00} when this was noticed and I since opened a new card from another company to pay them off. When I looked into it, They were charging me interest and a fee for unemployment insurance ( I did not apply for unemployment insurance ). When you figure the current rate they were charging me monthly, it is at 40.99 % ( 25.99 % for interest and 15 % for the unemployment insurance fee ). I researched a bit further back and it shows this rate since before XXXX ( I don't have any records that go back farther than that ). This is an incredibly far stretch from the 15 % that I agreed to. Can someone please look into this company to see if it qualifies for predatorial lending practices? I am aware that I am not eligible to receive compensation for the inflated fees and interest, but I would like to prevent others from having this done to them. An increase of 25 % over what I agreed upon when I accepted the card. I may have missed the correspondence notifying me of the increase. I have excellent credit ( XXXX ) and have had it since before I applied for this card.
Consumer complaint received 2020-10-25
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: Experian Information Solutions Inc. (IL)

I submitted a dispute about fraudulent and inaccurate information on my credit report. And XXXX XXXX and Experian are still reporting the information on my credit report illegally. At first I sent them the police report about my identity being stolen and they still didnt fully complete their investigation. They either said they can't honor my request or they verified the items. Which is illegal, how can you verify a fraudulent account? Im attaching the two letters I sent. These companies are still legally reporting. They also are taking forever to reply to my claim which is also against the law. I even filed a complaint with FTC and I plain to sue if necessary. I sent my first letter months ago, and they are still illegally reporting inaccurate items.
Consumer complaint received 2020-10-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lending Club Corp (GA)

The company lending club is reporting on my credit report and I can not get a loan or any type of job and he is affecting my life my credit report is being affected very badlyMy mother get approved for a loan and I was on a cosigner and she filed for bankruptcy and I am not in bankruptcy my name is XXXX XXXX But even though that it is in bankruptcy they still have it on my credit report
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX. XXXX  XXXX XXXX, SC XXXX Date : XX/XX/XXXX Re : Account Number:XXXX This letter is in response to your credit report entry on XX/XX/XXXX related to the debt referenced above. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I have disputed this account for three years, I have requested proof of debt a sign contract regarding this card belongs to me with the date of the contract. XXXX XXXX XXXX has been unable to provide a sign contract to me. I have received multiply times a copy of a statement from Capital One dated XX/XX/XXXX. This statement is not proof of debt. ( Please send sign contract ) I have contacted your location and been advised that XXXX is not the owners of this account. Due to not getting the credit record removed, I will have to report this account to the XXXX  XXXX XXXX XXXX as fraud as well to all reporting agencies. Further reporting of this account on my credit file will lead to legal action. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I am request full verification of this debt and ownership of account along with the transaction report of how much XXXX bought this account for.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Management Services, Inc. (MN)

XXXX. 
Account # XXXX Account opened XX/XX/2016 amount {$410.00}. 

Contact Information : Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Collection management, original creditor Advanced What Happened? 

These are medical debts that have been disputed with personal phone calls and I believe the original bills are re-generating themselves. 
I would like these inaccuracies to be investigated and removed from my credit file,
Consumer complaint received 2020-10-25
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. (OH)

I contacted equifax about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! 

I want this off my credit asap!
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank will not return the money I have in my checking account. There was a problem with a deposit. I was told that the person who made the deposit into my account had to bring identification to a Chase branch. I was told to do the same. The person who made the deposit has disappeared. I am the victim of a scam. I explained this to many Chase reps & managers. I dont want the deposit! I want my money released and my accounts closed. I dont believe Chase has the right to keep my money. Chase was not hurt by this transaction, I was. Now I am further scammed by this bank. I want this resolved! Its been going on since XXXX.
Consumer complaint received 2020-10-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (FL)

I had an auto loan thru TD auto financing. I traded in the car at XXXX XXXX and got another car thru XXXX XXXX XXXX financing. However, the XXXX payment for the TD bank loan went thru automatically. XXXX told me TDBank would refund me the {$320.00} once the car loan and sale went thru. This was in May after numerous phone calls to TD Bank I was told that the check would be sent. Many conversations were done with XXXX XXXX at TD finance. It is now XXXX still no refund.
Consumer complaint received 2020-10-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

I used the " E-Check '' service to pay my XXXX XXXX XXXX account with prepopulated information. Somehow the 3rd party, FIS who is contracted by XXXX XXXX XXXX to handle these payments caused an error. My payment was " returned '' and subsequently I got a notice stating that an other account ( with a name I am not familiar with ) had the payment bounce. My bank shows no record of even a payment being attempted. Now I have incurred a {$30.00} fee for a " returned payment '' when it was not even my account. It seems impossible to actually call or contact FIS at all. XXXX XXXX simply claims it is a {$30.00} fee because " our 3rd party charges it ''. 

There are several issues with this. XXXX, no payment attempt was made. 2. privacy issues have been breached with someone else 's account being mixed up with mine. 3. a {$30.00} fee charged to my account when there was never a payment attempt is a violation of Tennessee law and also a violation of UDAAP under Dodd-Frank. FIS has no reason to charge me a {$30.00} fee. It is ridiculous there is no way to resolve this.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. P

lease tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. Account Name : US DEPT ED Account # : XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (LA)

I have asked for debt validation as well as the purchase agreement from XXXX XXXX XXXX saying the collection agency owes the debt. I have only ever had XXXX XXXX XXXX for wireless services, which are paid to date. When calling XXXX XXXX XXXX they stated there has been no record of the alleged debt.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (OH)

My XXXX XXXX XXXX card issued by First National Bank was closed by the financial institution on XX/XX/2020. I did not receive any warning or notification that the account was closed, but only realized it when my card was decline when I tried to use it. When I called in, I was told that it was closed because there was too many recent inquiries on my credit report, which I explained was a result of my two recent back to back refinances on my mortgage to try to take advantage of the declining interest rate environment. Given that this is not an unusual thing for people to do in such a rate environment, and no new debt was established, I requested that the bank reconsider this decision. However, they insisted that this decision is final. I believe that this is unfair practices, and I believe that the bank should have informed me and offered me a chance to explain the situation prior to taking such an adverse action. This account and none of my other credit/loan accounts have never been delinquent, and my revolving debt to credit limit ratio has never exceeded 10 %. I have accumulated nearly 34,000 points through spending on this card and I have now lost access to these points.
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

3 months ago I sent a dispute letter for these accounts XXXX, XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). XXXX/XXXX/TransUnion are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery are stating that I have 5 debt collectors account with them and I sent out over 4 dispute letters, from XXXX, XXXX, and XXXX  asking for debt validation with the original contract and signature and have not received any documentation that I have been requested. They are updating my credit report with it meets FCRA requirements but have not sent out the documentation stating how it meets FCRA requirements. I do not do online disputes everything is mailed out so I'm very upset to how can it meet these requirements without giving me the right documentation.
Consumer complaint received 2020-10-25
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: Exeter Finance, LLC. (CA)

the company will not send the documents that have been requested in order to report accurate information on y credit report. I filed a complaint previously and assumed it was resolved when someone form Exeter Finance called and stated they would resend an email that would contain the full account history but that was never sent and I have waited at least two months.
Consumer complaint received 2020-10-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Keynote Consulting, Inc. (SC)

On XX/XX/2020, I sent a letter out certified mail to keynote consulting asking for method of verification letter and I have never received anything with the proper documentation about this account. They keep saying they investigated the account but never send the documentation I ask for in the letters stating. The debt they are asking for is XXXX but I would like to see original contract with my signature on it I have sent 3 letters out and have not received anything yet.
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

Have called me constantly everyday since XXXX. Today XX/XX/20 the representative was rude to me because I asked for a settlement then responded he will take legal action against me. He refused to make an offer and snidely remarked no I just dont want to pay the full amount.
Consumer complaint received 2020-10-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc. (NV)

On XXXX XXXX a company Realtime Resolutions contacted new and stated that they would be able to sell my home back since they had foreclosed due to me defaulting on my second back in XXXX  when the economy crashed. Its been two weeks and Im now getting the run around, the evicted ne and my children. They said if I paid them XXXX dollars they would be able to transfer the title back to me. I just needed to show proof of the funds which I told him I did, try to send the proof and now the email came back undeliverable. I feel as though they just want to gain time and not come true in what they told me, unfortunately Ive not been able to have them put anything on paper, what can I do? Its my children s livelihood. Please help
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

THESE COLLECTION RECOVERY COMPANIES ARE DISGUISING THEIR NAMES UNDER DIFFERENT NAMES TO CONTINUE TO POST COLLECTION AMOUNTS THAT WERE DELETED FROM MY CREDIT REPORT 7 YEARS AGO IN VIOLATION OF THE FAIR CREDIT REPORTING POLICIES. 

THESE DEBTS ARE FRAUDULENT AND WERE REMOVED FROM MY CREDIT REPORT FOR THAT PURPOSE, HOWEVER THESE AGGRESSIVE DEBT COLLECTORS CONTINUE TO HARASS ME ON A CONTINUAL BASIS. i AM NOW PREPARED TO FILE A LAWSUIT IN THIS MATTER, FOR HARASSMENT IF THIS CONTINUES. 

THIS DEBT ATTACHED ID FRAUDULENT AND NEEDS TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

THESE COLLECTION RECOVERY COMPANIES ARE DISGUISING THEIR NAMES UNDER DIFFERENT NAMES TO CONTINUE TO POST COLLECTION AMOUNTS THAT WERE DELETED FROM MY CREDIT REPORT 7 YEARS AGO IN VIOLATION OF THE FAIR CREDIT REPORTING POLICIES. 

THESE DEBTS ARE FRAUDULENT AND WERE REMOVED FROM MY CREDIT REPORT FOR THAT PURPOSE, HOWEVER THESE AGGRESSIVE DEBT COLLECTORS CONTINUE TO HARASS ME ON A CONTINUAL BASIS. i AM NOW PREPARED TO FILE A LAWSUIT IN THIS MATTER, FOR HARASSMENT IF THIS CONTINUES. 

THIS DEBT ATTACHED ID FRAUDULENT AND NEEDS TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2020-10-25
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate as unknown things on my credit report. To this day, over 39 days later, I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 39 days so they should be promptly deleted. I demand these accounts be deleted immediately or i will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KS)

I have a online account with square and also a debit card.Somebody was using my debit card and I Immediate reported as fraud. I contact Square by phone multiple times on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and each time They are telling me that I'll get the money back and somebody will contact me in 2 days, but nobody did.Last time I spoke with XXXX manager at square and she was able to give me some of the money back {$3900.00} But they are still holding {$7200.00} with no explanation and no reason Or when I will get the money back They keep saying that somebody will call me in two days and it's under investigation. They are scamming me!! and therefore I'm asking the CFPB to step in and take admittedly action against Square.