davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (IL)

Hello On XXXX I have received a latter from a debt collector Source Receivables Management out of XXXX XXXX XXXX regarding collection of amount of {$59000.00} for an apartment lease in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). No lease term specified but I never lived, never traveled to XXXX XXXXXXXX XXXX  and never applied and never signed any apartment rental applications, being a homeowner since XXXX and living in my house all the time in a state far away from California. 
I believe debt and collection is result of Identity Theft and Fraudulent Activity. A police report has been already filed on XX/XX/XXXX at my local Police Department and case is being investigated.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I read on the CFPB website that I could ask a collection company to verify/validate the debts that I see reported on my credit report. I sent the collection company a letter asking for the following : the full accounting on report, copy of the assignment or purchase from the creditor, detailed billing history including charges, interest, fees, and payments, how they calculated what they say I owe, If the debt was sold to any other agencies, proof that they owned the debt, and proof they were on the original contract that I initially signed. The collector did not respond after XXXX days so I sent another letter asking them to verify/validate the debt again and again. They never respond and continue to report the debt on my credit report. According to the CFPB website a collection company has to verify/validate the debt to legally report or collect it. This company has ignored all opportunities I have given them and continues to violate my rights and the Federal Law.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX, last email sent to me, XX/XX/year> : Third party creditor keeps contacting me about debt from original creditor XXXX. They bought this originally from LVNV Funding LLC. This company continues to sell this account to these different companies and they all continue to harass me everyday. The information is inaccurate because the debt has been re-aged to extend the reporting period illegally and also the balance reported on the charge-off account is incorrect. I am writing to complain about the inaccurate information that appears on my credit report. I have reviewed my credit report, and I have identified a charge-o account that I believe is being reported in violation of the Fair Credit Reporting Act ( FCRA ). I have also reached out to this creditor to inform them to cease all communication with me. 15 USC 1692c ( c ) that law clearly states : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-07-27
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: WELLS FARGO & COMPANY (PA)

i have proof from the court that the company tXXXX XXXX XXXX which is located overseas were suppose to issue me a refund for the amount of {$6600.00}, which i purchase in XX/XX/XXXX and never received. It was order by the judge that i should received the money after i won my case back in XXXX of XXXX and i constantly emailed the company XXXX XXXX XXXX and they keep dodging my calls and emails. i even sent them emails from a email they didnt recognized and they responded right back and when they found out it was me they ignored me. heres the lawyers email XXXX. i even sent affidavits and all and theyve received the info in the mail and still no response
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Fraud Block Request - I have correctly updated my information identitytheft.gov and attached my police report. I updated account information to the best of my ability, as the account information that are being report attached, I have no knowledge, as they are not my accounts, and information provided by the creditor was vague. Lastly, I have attached my DL, My passport, XXXX statement, XXXX Police Report, XXXX Report, Social Security card.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (IL)

On XX/XX/year> TrueAccord corporation added a derogatory mark on my credit report ( XXXX ) per experian. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, True Accord Corporation has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

PLEASE HELP ME, EVERYTIME I AM SEEING THIS ACCOUNT IN MY REPORT, THESE REALLY ARE GIVING ME SO MUCH STRESS OM HOW AND WHY THESE ARE REFLECTING IN MY CREDIT REPORT.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Balance {$5500.00} Date Opened XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Tried to transfer money to XXXX XXXX in the transaction amount of {$3500.00}, the transaction got declined from the side of XXXX XXXX, and the money was never received by XXXX XXXX, but the money got deducted from Capital one Bank account. 

I also added money to my XXXX XXXX using two of my other bank accounts, And the transactions went smoothly.

I called the customer service and it is of no help.

This is a big mental harassment, I needed to transfer the money to someone today and now the money is gone, and I do not know where. 

Capital one seriously needs to start an online chat section and customer support online section where we can write our complaints online and chat with customer service online, because the customer service XXXX  right now
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Act. number XXXX Open XX/XX/XXXX amount {$580.00}, LVNV Funding ( XXXXXXXX XXXX XXXX XXXX ) account number XXXX XX/XX/XXXX {$380.00}, LVNV Funding ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Act. Number XXXX XX/XX/XXXX {$810.00}, and XXXX ( XXXX XXXX XXXX XXXX XXXX ) Act. number XXXX XX/XX/XXXX $ XXXXThey could not provide me with the original contract. I asked them for the purchase agreement of the debt and XXXX with the original creditor, verification of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2. I
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Consumer complaint received 2024-08-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (MO)

XXXX and the debt collectors they sold the debt to need to erase this debt. They promised that we would have cell phone service at our home. ( The whole reason we were switching to XXXX from XXXX when we moved here ) So asked if service doesn't work were we able to return cell phones. They said ABSOLUTELY. 
WELL, after waiting for phones over a week and a half, we finally received phones. We set up a phone and to no surprise we didn't have cell services that they promised. So went to store to return them. They said ohhh because they were shipped we needed to call XXXX. They said they couldn't return in store since they had to be shipped because they didn't have them in stock. Keep in mind that this caused a significant delay in providing ways on how we can get non-used brand new phones returned to XXXX Spoke to a XXXX at XXXX customer service and he said that I needed to order a cell phone booster kit and that should fix the service issues. So he was going to add that to our account and assured us that that would fix the issues. So we waited. It finally showed up. We installed said booster from XXXX called and let them know it wasn't working either. The lady said I'm sorry and that she would get a return label shipped out to us and return everything and once they get all of the equipment that they would credit our account and would cancel contract. Sent everything back the day I got return label and was promised I would NOT be charged anything because there was not coverage in our atlrea. Nothing should have been charged. Services promised were not accurate. Service and products agreed to were NOT provided. Now going on for XXXX years fighting with numerous debt collectors. Constantly having to dispute this and get it removed from our credit reports. I would like XXXX  to remove this debt from this account and stop sending debt collection agencies to constantly come after us for a debt that I didn't incur due to their lack of cell service at at our house. I pay my bills and have never had to have any accounts in debt collection. EVER. I was assured by XXXX  numerous times over the last XXXX  years that I was not responsible for this debt. 
{$290.00}
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/XXXX I deposited a US TREASURY check for XXXX to my account at Citizens bank. Which I did open the new account on the same day, the check was deposited. I was told the check would have a 7 day hold on it, which was fine. On the XXXX day I checked my account and the funds were not released, I was then told that an additional hold was put on the account for an additional week or until XX/XX/XXXX. On XX/XX/XXXX I then checked the account and was now told there was an additional hold put on until XX/XX/XXXX. I was told the back office has to approve or verify the check with the IRS. I then went into a local IRS office and was told the check is verifiable on the US TREASURY website, and that there is no hold on the check on the IRS 's end. I have called and called and tried to get this resolved, but it seems as if I cant get led in the right direction. The Irs has no knowledge of any BACK OFFICE reaching out to them and Citizens says they cant release the funds until the back office reaches out to the IRS. Citizens also wont give me any info for the back office. So my funds are just being held in limbo, and I was told that even on XX/XX/XXXX the funds still may not be released.Also whe I check the treasury site, it says the check was paid to me and the bank already, but I have yet to see the funds in my account
Consumer complaint received 2024-08-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I have an American Express digital gift card that was given to me through email and added to my digital XXXX XXXX. I have not been able to use it anywhere because I do not have an Expiration date or CVV code. Please help really need the money to pay bills. 
Thank you XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Colony Brands, Inc. (NY)

I am writing to file a complaint against Montgomery Ward regarding their recent, and in my opinion, unethical reduction of my credit limit.

I opened a credit account with Montgomery Ward around XXXX of XXXX. I was approved for a credit limit of $ XXXXSince then, I have consistently made payments, often exceeding the minimum, and have made a few purchases throughout the year. 
To my surprise, I recently discovered that my credit report had been negatively impacted. Upon investigation, I found that Montgomery Ward had reduced my credit limit to an amount below my outstanding balance, resulting in a significant increase in my credit utilization ratio.

I contacted Montgomery Ward customer service and was informed that they lowered my limit due to a lack of activity on my account. This explanation is both illogical and harmful. If my goal is to improve my credit score, it seems counterintuitive to penalize me for not spending more money.

Furthermore, I believe Montgomery Ward 's actions are unfair and deceptive. The company 's terms and conditions are vague and do not provide clear guidelines regarding credit limit changes. This lack of transparency has made it difficult for consumers to understand and anticipate such changes, leading to potential financial harm. 
LR
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (MA)

Theres an account on my credit report called XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I please want to delete this account of my credit report because the credit bureaus are saying the amount of payments and late payments are not properly reported. They keep updating the payments and when they were made. The information isn't accurate and I believe that my credit is being wrongly impacted due to errors with this particular. I have called XXXX XXXX to try getting more information about what is going on with this account. I'm going to upload a Massachusetts ID card and Social Security to verify my identity to help get this deleted from my credit reports.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (AZ)

I have applied for an American Express card and been denied multiple times. I have an excellent credit score over XXXX, no revolving debt, own a home, and have a steady job since XXXX with verified income over {$350000.00}. I was told I was denied because I had an account cancelled in Bankruptcy back in XXXX ( Chapter XXXX, XXXX XXXX XXXX XXXX XXXX Illinois ). My bankruptcy was due to a bad divorce to protect our assets during the housing crash and financial recession of XXXX while I was in the XXXX. Since the day of that bankruptcy I have carried no revolving debt and never missed a payment. I was told by the judge that this bankruptcy would affect my credit for no less than XXXX years and no more than XXXX, depending on the credit issuer. American Express is maintaining my name on a Blacklist ( their words ) and will only be cleared if I pay back the {$19000.00} that was XXXX by the court in XXXX. XXXX pretty sure that what they are doing is not legal per federal bankruptcy law and are trying to find a way to continue to hold this against me and collect on this XXXX debt after 16 years. My credit report and employment history are in the top 5 %, and if they are doing this to me, XXXX certain they are doing it to many others. Ref # XXXX is the case number AMEX provided. I ask for your intervention.
Consumer complaint received 2024-08-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

We received a call on our business line confirming that XXXX XXXX was employed at our company. We were given the name XXXXXXXX XXXX XXXXXXXX and the phone number XXXX and the case number XXXX. 

I called the number given on our recorded business line and asked for the case details. I was told that it was for a car loan from HSBC from XXXX  that was repossessed and that they would be filing a lein against our property. They gave me an original amount of {$11000.00} and told me that the court fees would double that. I asked what I needed to do now and they told me I could settle now for {$7500.00}. They urged me that I had to move quickly before the lein was filed because then there was nothing I could do. 

I reached out to the Virginia State Bar and could not confirm they were a law firm. I called their number back and asked what state they were registered in, and they told me they had jurisdiction in all XXXX states and that they were based in California. 

I did some research and found that the statute of limitations in Virginia is four years, and this loan was from XXXX. I called them back to confirm they were a law firm, ask what their state bar number was, and was denied all of that information. They proceeded to threaten again legal action and hung up.
Consumer complaint received 2024-08-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (AL)

I trade the car in at the dealership I got it from and got another car we call XXXX  and got the paid off amount from them and the dealership made out a check for the amount they said was old 2 weeks later I get something in the mail saying I still old them so I take it to dealership and they made a check out for the amount they say I old
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MA)

XXXX want to delete this account on my credit report called LVNV Funding LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, XXXX  XXXX in the amount of {$1600.00}. This account is being reported to all the credit bureaus and it is hurting my credit score. Please remove this account on my credit report because the information is incorrect. I'm uploading verification of my identity such as a Massachusetts ID card and a Social Security card.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I called customer service. I gave them my card # and ssn for security validation the last step was my security code. The representative said please provide me with your security code, your mother maiden name so I told the rep my mother maiden name. I was then told it was incorrect security word. I proceed to tell the rep that that is indeed my mother maiden name. The rep then says well your security word isnt that. So I asked the rep why would you say its my mothers maiden name. If they were unsure. So I was given XXXX more chances and got the correct answer on my XXXX try which would have been my XXXX try if I wasnt given false information. I then spoke to supervisor XXXX from dept client relations. And was told my account will be closed.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. 

The payment was reported late on XX/XX/2024 to XXXX, XXXX, and XXXX despite violating the aforementioned statutes as well as me submitted every piece of documentation required to date to verify that I submitted my payment in a timely manner.