davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (KY)

XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX CELTIC BANK/CONTFINCO XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2024 Subject : Request for Goodwill Adjustment - Account : CELTIC BANK/CONTFINCO XXXX Account Number : XXXX Dear CELTIC BANK/CONTFINCO, I am writing to address the late payments reported on my most recent credit report for my CELTIC BANK/CONTFINCO account, with the account number XXXX. I acknowledge the importance of timely payments and understand the challenges it presents to your operations. 
I want to bring to your attention the circumstances that led to the missed payment on my account. Unfortunately, I experienced severe illness and hospitalization, resulting in missed payments. These late payment remarks have adversely impacted my life, causing missed job opportunities and preventing me from closing on a home for my family, all exacerbated by the challenges posed by the XXXX pandemic. I sincerely apologize for any inconvenience caused and want to assure you that steps will be taken to prevent a recurrence. 
I recognize the responsibility for these late payments lies with me, and I deeply regret the situation. I value our business relationship and have committed to ensuring timely payments moving forward. 
Considering the challenges I faced, I kindly request your understanding and goodwill in removing the late payment remarks from my credit reports. This gesture will significantly contribute to rebuilding my credit score and maintaining a positive standing with your company. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CO)

The company was supposed to set up my account on a hardship program both this Ulta card and my XXXX credit card was supposed to be enrolled at the same time during that time I was assured my account would remain in a good status and my payments would be lowered to {$10.00} a month and apr would be reduced and the payments would automatically come out of my account. I started receiving collections calls and was very confused so I paid account in full I contacted the company and they refused to pull the phone call and continued to be very rude and unhelpful to fixing this issue or reviewing the information and providing me information I was treated unfairly and was given false n deceptive information and was charged an overwhelming amuof late fees and fianc charges also money money was taken out of my account with false intent Account # XXXX
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (VA)

Received a XXXX CashApp card in the mail with my name and address on the envelope on XX/XX/XXXX. Did not sign up for this card, nor have I ever used CashApp. I contacted CashApp on XX/XX/XXXX via phone to figure out if this was a solicitation attempt or if someone opened a card in my name. 

The representative on the phone refused to provide me with any information on how the card was opened. After arguing with the representative for XXXX minutes, he finally agreed to check his database to see if I was even listed as a customer. He searched using my cellphone number and claimed that I was not found in the system. 

I alerted him that this was fraud to which point he said he could not help me any further unless I provided them with a picture copy of the card. They provided me with a link to send a picture of the card- which I did on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from Cash App stating " we located the CashApp account. We have closed the account and Cash App card associated with your information. We also recommend visiting XXXX where they can help you report and recover from identify theft. '' I asked for confirmation of what information was used to open the account in my name and was asked in return via email on XX/XX/XXXX to provide a copy of some sort of identification such as driver 's license, Birth certificate, social etc. 

I refused to provide any sort of Personally Identifiable information to the company as there is already fraud involved.
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.
Consumer complaint received 2023-05-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XX/XX/2023 XXXX
Consumer complaint received 2024-05-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

We closed on a new construction house on XX/XX/XXXX. I called them at the end of the year regarding the property tax and to make sure they adjust the escrow. I was told they had it under control. XXXX came and went. XXXX we get a letter saying we are in the red with our escrow because they didn't pay enough into the escrow, so we were around $ XXXX in the hole and had to catch up. We paid the new escrow and in XXXX we were still in the red. But then we started receiving letters about our flood insurance. I was on the phone with both the mortgage and the XXXX to confirm that nothing has changed with our policy. We had them for the 3 years now. The Mortgage company never paid the flood insurance and we lapsed. Now we can't get the flood insurance for the {$1200.00} we were year and now it is up to {$5000.00} a year. And from what we have been told, we will no longer be able to get the {$1200.00} a month unless we were to sell the house and move into a new house. We have done everything by the rules, the mortgage screws up time and time again and we have to pay for it. This is Freedom Mortgage.
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (TX)

I informed Experian, XXXX, and XXXX to reinvestigate these accounts : 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, However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 SECTION 602 A : States I ha
ve the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  signed me up for care credit and he co signed. i wasn't aware until i was called to XXXX XXXX where i signed papers to be a client and for appointment. I had XXXX XXXX XXXX  and got a temporary XXXX XXXX XXXX ( XXXX XXXX didnt know what he was doing made the XXXX XXXX XXXX sizes to big. XXXX XXXX XXXX XXXX XXXX and was so excited to get them. i got all dressed up and wore make up filled with excitement to actually smile XXXX XXXX XXXX XXXX XXXX! i get to XXXX XXXX and was told that the care credit was pulled and canceled due to the friend not telling his wife about co signing, and when she found out she canceled. im going on XXXX  years with XXXX XXXX XXXX XXXX XXXX and cant get my XXXX due to care credit pulling funds with only {$1700.00} left to pay. so in order to get my XXXX i would have to come up with XXXX myself and im XXXX living paycheck to paycheck and cant afford it. now care credit has sent the other balenced that was paid ( even though i gave friend money to pay on balance and it wasnt ) and is charging me over 5 grand.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I purchased a new {$50.00} XXXX XXXX  XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX Expiration Date : XX/XX/XXXX. I went on line and had it activated. The next day I tried to order an e-book from XXXX, the charge was rejected. I contacted XXXX and spent an hour on the phone with them and they assured me that the problem was not theirs. 

I contacted the customer service for the XXXX XXXX XXXX they have told me over and over again that the card is good. It has been activated, and has a {$50.00} balance. It still has that {$50.00} balance, but it has been rejected every time I try to use it. 

I even bought a new and different {$25.00} VanillaGift card, XXXX XXXX XXXX XXXX, Expiration Date : XX/XX/XXXX, to try again, I had the very same results. Looking a little bit deeper into it, it looks as though the Vanilla Gift card & XXXX XXXX XXXX  are the product of the some company. They need to be shut down for lack of customer care. 

When I tell told them these card still do not work, they told me again they should, but in reality they do not work. They offer no reason whatsoever as to why they don't, or won't work. So far, I have wasted {$75.00} dollars on these worthless cards. 

I don't have any other recourse, and I don't know what to do. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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. (TX)

These accounts are fraudulent and are falsely reporting on my consumer report. I request that all accounts and inquiries be removed from all credit bureaus immediately.

Accounts : 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 2024-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (PA)

i started recieving phone calls from a Halsted Finachial services i have never heard of this company i have never received any correspondence from them i asked them what they were calling about and they would not tell me unless i gave them my personal information which i will not do because i dont know if this is the actual company calling me or if it is a scam of some sort i have asked them to stop calling me and they continue to harrass me i have tried blocking there number on my phone but then they will call from a different number and i have to block that one i just want them to leave me alone i check my credit report daily and they are not listed anywhere as a debt collector for something i may have had. i just want them to leave me alone
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

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 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account XXXX in the amount of {$1200.00} is being fraudulently reported on my credit report by XXXX and Transunion. I have requested for validation of the debt as my identification has been falsely used for numerous accounts that I have not authorized. They have failed to provide me with a written validation of the debt after several requests and it is impacting my abilities to progress with my life. Either of the companies have been able to provide valid information that does that match up.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of Trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that Trafficking. 
XXXX. XXXX XXXX XXXX : Account Number ending in XXXX XXXX. XXXX XXXX XXXX XXXX : Account Number XXXX XXXX. XXXX : Account Number XXXX XXXX. XXXX : Account Number XXXX XXXX. XXXX XXXX : Account Number XXXX XXXX. XXXXXXXX XXXX  : Account Number ending in XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number ending in XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of Trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or sex Trafficking if the consumer has provided Trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or sex Trafficking if the consumer has provided Trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 12 CFR Part 1022 [ Docket No. XXXX ] XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ava Finance, Inc (FL)

Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors, nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Last XXXX, my husband died, and he was listed on my car loan. When I reported this to Nissan to get him removed from the loan, they indicated I'd need to cancel the Gap Insurance and the Extended Service Contract, since his name was on that, before reinstating myself as the only person on the loan. The Gap Insurance process went fine, but since XXXX, I've sent the requested documents to Nissan by fax, mail, email, and text, at the addresses listed in the emails I've attached. each time I've been told they were not received. 

each time they keep opening new tickets for me, not noticing that I already have open tickets. I mailed these documents to them over two weeks ago and got confirmation from the USPS they were delivered. today, Nissan said they didn't receive them. My son faxed them for me over a month ago and it wasn't cheap. they said they didn't receive it. multiple emails ( attached below ), no confirmation of receipt or they say they didn't get it. I sent it via text message, they said the documents weren't readable ( they are ). 

I have lost all faith in the competence of Nissan as they are basically a complete obstacle to me getting this resolved and they are costing me money and time. I need an adult to step in and get their house in order.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA (CA)

This is a case of elder financial exploitation. On XX/XX/XXXX, a loan was opened in the amount of {$13000.00} for a XXXX XXXX XXXX vehicle with a XXXX XXXX XXXX value of under {$5000.00}. It is in non-excellent condition, so the value of this car is likely closer to $ XXXX or $ XXXX. The victim is XXXX XXXX XXXX and was unaware of how much the loan amount was, and dutifully paid the monthly installments on time and in full, without understanding the terms of the contract. This loan should never have been authorized. How does it make sense to allow a customer to borrow over $ XXXX for a vehicle that's hardly 25 % of the value? To pay down the loan in full by XX/XX/XXXX, it would cost the victim a total of {$27000.00} for a < $ XXXX car. This is clear predatory lending to a vulnerable customer.
Consumer complaint received 2015-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Highland Capital (OH)

A male who said his name was XXXX called both me and my wife saying he was a Process Server and that he was letting us know that he would be at our home or place of employment to serve legal papers unless we called this number XXXX we called that number four times and all we get is a voice mail. With his last phone called he said, " that was your last chance and I 'll be at your home at XXXX on a specific date, Ill see you then. '' He leaves no other information on this matter. '' I contacted my Lawyer and he had me file a police report, file his complaint and keep any other contact with this person. My Lawyer informed me, plus the Police taking the complaint that Process Servers do n't call you before they serve papers and this was most likely a scam or and illegal attempt by a collection agency to collect a debt with scare tactics.