davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Phone # XXXX Debt Collection Agency - Capital Accounts LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Phone # XXXX Original Credit Debtor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Phone # XXXX Billing- XXXX Capital Account called me Saturday XX/XX/XXXX. After confirming my identity they stated that I was in default with a debt and that I owed {$1800.00}. 
I replied that this was a not my debt and that there must be a mistake. They again confirmed my identity and stated no this information had been provided the original creditor and I was in fact in default and owed the money. I responded then this is identity fraud as I have never visited this doctor, I live in XXXX XXXX, XXXX, and I have health Insurance. 
He became very irate and belligerent. At this point I hung up as I thought it was a scam. 

On Friday XX/XX/XXXX I received a credit alert on my XXXX XXXX Account stating that there was a collection of {$1800.00} on XXXX  XXXX XXXX. My score dropped 30 points. I was shocked. 

On Saturday XX/XX/XXXX I received a phone call from Capital Accounts LLC confirming my identity and requesting payment of {$1800.00} for collection of debt. 
I explained to the individual again that I believe this is identity fraud as I have never visited this doctor, I live in XXXX XXXX, XXXX, and I have health Insurance and if I did I would have paid him. She stated that I would need to contact the creditor directly to resolve it. 

On Monday XX/XX/XXXX I contacted the Doctor 's office directly speaking with the billing department. She confirmed that the individual in question for the outstanding debt was not me. She confirmed my age, address, and social security number. 
She stated that the collection agency was in error and she would contact them directly. 
Which she did and called me back stating that the Capital Accounts LLC would be contacting me and retracting the negative collection on my report. 

On XX/XX/XXXX, I still had not heard from anyone. I contacted the Capital Accounts directly and immediately they attempted to state that I owed the debt of {$1800.00}. 
After a few minutes of the collectors rant I informed her of my discussion with the original creditor and that I was waiting their call to discuss when my negative collection would be removed from the Credit Bureaus. She rudely stated it could take anywhere from 30-90 days. 

To be treated so terribly was shocking. The collection agency was able within days to discredit my Score and Credit Report with all 3 credit bureaus with no evidence, physical proof or documentation. I have had to prove my innocence, but they don't have to prove my guilty? And now I could wait up to 90 days for this to be resolved. Will this actually be removed completely? 

You don't treat people like this ...
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (UT)

They are reporting incorrect information to XXXX XXXX and XXXX. I'm not sure why but the last reported and last active dates are incorrect. They need to be corrected ASAP. In addition XXXX shows the account still open when it's been closed for years. That too needs to be corrected. That is affecting my FICO score and I don't appreciate it. If it is not corrected at both bureaus I will include you in the law suit I file against the bureaus. I have all of my paperwork as proof and the complaints I've filed with CFPB with the bureaus. I ran this report with a company that allows me to run all 3 to see what creditors see on XX/XX/16. This is the result of that report. I want it corrected, no excuses!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. Equifax, XXXX  and XXXX. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!
Consumer complaint received 2021-03-17
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. (TX)

I submitted an identity theft report XX/XX/21. The FCRA requires a block of information resulting from identity theft. Block and delete all information in the attached documents. I'm authorizing you to take action on this account immediately.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION ()

I am a XXXX XXXX who was in the United States for the summer season and created an account with Regions Bank in XXXX XXXX in XXXX. Which I always use without any problem. But days before leaving XXXX XXXX, the banker recommended that I update my personal information and add the social security number ( The account was opened without the SSN ). As I needed to leave everything without problems with my bank account to return to my country, I accessed and updated the information. 

A month later, my debit card stopped working and I found out that the bank had sent a request to corroborate more of my personal information but I was never notified and by not sending the information the bank unilaterally closed my account. Sending the funds that were in it in a check to a registered address in which I no longer resided, since I am in my XXXX XXXX XXXX. So I am without any of my money and the bank does not want to provide me with any type of solution, much less support considering the condition I am in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for at least a couple of years since the process is very slow.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (NJ)

My apple account was closed on the phone they said your account is closed which I never opened. My phone was stolen on XXXX XXXX  that day the robber opens an apple card account using my identity. My apple card account was closed but now they send me an email saying. 
to pay the money back.
Consumer complaint received 2023-01-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Bread Financial Holdings, Inc. (NY)

I had an account CD ) with Comenity Bank for {$20000.00}. It was to mature on XXXX. I went to web site to try and check my account and discovered that it was all about credit cards and my username and password would not work. I called XXXX and was told to try again later. My account # is XXXX Routing # is XXXX
Consumer complaint received 2023-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (WI)

Trustee Claim XXXX in the amount of {$8300.00} Trustee Claim XXXX in the amount of {$8500.00} both 100 % paid what mortgage address were these applied?
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (TX)

My complaint for this day is my follow-up to my previous complaint dated XX/XX/XXXX. My previous complaint disputed items are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Include these items in my previous complaint, Now I am redisputing them again.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit report shows a Grantor with my name and social security number also personal information. There are leins, repossessions, lack of real estate and judgements from an unknown source. The credit bureau is allowing breaches and I don't want to be involved. Please send feedback of this suspected guarantor. I did not authorize or sign any documentation stating my awareness of the security freeze and fraud on my credit report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

At least 5 incidents. Every time I've used Experian for a " free credit check '' ... The company takes your CC #, then signs you up for an expensive credit monitoring service, without clearly explaining this. Then when you try to cancel the service... Experian keeps charging your card anyway. Every contact and complaint to Experian directly, is totally ignored. 

Eventually you have to contact your CC company, and send them the screenshots showing what has happened, and your cancellation attempts. Your CC company has to refund the , and cancel the service on your behalf. Often the Experian charges continue, and you have to repeat the entire process again. Your CC gives up, cancels your card and issues a new one. This results in a lot of wasted time, , and effort. Other bills have to be updated to the new card #, and sometimes late fees occur before every bill can be updated. Over the years, this never changes. Yet Experian has found new ways to trick consumers into their scam, by having the public sign up for a " free credit score '' etc. through different company names, then after there's a billing issue, it's discovered it's really Experian.

I've had countless screenshots over the years of this... But not readily available atm.

But, I'm sure I'm not the only consumer who's complained to this agency, as the internet is full of identical complaints to my own... So why does this agency still allow Experian to even exist??? They are a full scam. They hold SSN, dob and sensitive data. They effect FICO scores which effects too much in people 's lives. They really should've been shut years ago. How am I still needing to go through all this again and again. They're literally hiding under other services ' names, because no one trusts them. End this madness. I'm out of time and effort to spend on this nonsense. Experian is not a government agency ... Why do they have so much power, and who is giving them authority? Any other company who had this many complaints of financial scam, and held personal data and power over all lending and credit ... Would've been shut down. So, that's it... Shut them down.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (AR)

This dispute is against Universal Citibank card. They dramatically increased my interest rate after 20 years because of a recent forgotten late payment. The CFPB says they can't do that if paid within 60 days. They have so far not offered a reasonable explanation. All they said was it wasn't illegal, which is not true.
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CA)

CCS is furnishing a negative account on to my consumer report. I have sent CCS a cease and desist to remove the negative account from my consumer report as that is a form of communication. However, CCS is still furnishing the negative account which is causing me to be denied credit and causing mental anguish. 

Tracking number : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc. (IL)

15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these items have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX states that I owe them {$2.00}, XXXX to a credit card that was open in XXXX. I have resolved the amount and it was closed on XXXX. The credit card hasn't been valid or shown on my credit report until recently. I have tried calling Experian and also called the company that holds the account recently which is XXXX XXXX. I have had a valid mailing address since the closing of the account ; Neither XXXX XXXX or XXXX has contacted me until recently. To add to the matter, I have recently received a new XXXX XXXX card with no problem; please can you help me.
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WV)

Midland Credit Management keeps destroying my credit regarding an account that I do NOT owe that is NOT mine. I have been a victim of identity theft and have taken the appropriate legal action. 
Even if this were valid, per my attorney this account would still be a violation of my rights under the FDCPA because they are listing this account as " open '' which is a violation of his collections can be reported on file, as they can not report past due, late, or open. 
In the past I had made a request of information such as proof of ownership, verification ( NOT validation ) of the original creditor, last 2 years of payment history, and a copy of the agreement with my alleged signature. I received nothing other than repeated bills, and had they not violated my rights and provided the information I requested under my full right to do so, i could have gotten to the bottom of my identity theft sooner.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was contacted at my place of work, on a company-owned phone, in a threatening manner regarding an old debt. The caller ( according to their recording when I called for the company name because they wouldn't tell me when I was speaking with them.. ) was XXXX XXXX XXXX . I asked the person on their end to not call my work again, and was told he would remove my employers number from his list of contact numbers but only after I gave him another number. I was threatened with a lawsuit, and talked at in a demeaning manner. My day was ruined and my company has told me I will be punished if I am to keep having debtors call my place of work. This needs to stop! I could lose my job because of these sick poachers of debt who pray on those who can barely afford to eat and harass them. Please help me..
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NY)

I have a mail sent to my apartment about a past due invoice with a company going under bankruptcy : XXXX XXXX XXXX. I have made business with them a two year ago, subscribing to their separate utility, gym department called XXXX XXXX. I canceled and continued to no longer pay for any gym subscriptions since last year. The debt they're asking for me to pay is {$140.00}. I have made no pending purchases, merchandise or services from them and did not have any account for them to list me under.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OR)

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-04-19
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. (AZ)

XXXX refused to dispute Hard inquiries apon request. 
In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
All inquiries posted by companies with whom I have no accounts should not be posted to my credit report. This negatively affects my report and ability to acquire future credit. This is an unacceptable violation of my right to privacy