davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc. (AR)

Company in question : CREDIT COLLECTION SERVICES- XXXX XXXX XXXX XXXX, XXXX, MA, XXXX phone # ( XXXX ) XXXX self-service.ccsusa.com AKA CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX ccsusa.com ALSO operating at XXXX XXXX XXXX, XXXX, MA, XXXX They have willingly furnished false and misleading information onto my consumer report to the consumer reporting agency " XXXX ''. They have posted the following information to XXXX : Original Creditor : XXXX XXXX XXXX Account Type : Open account Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : XXXX $ Original Balance : XXXX $ This account is not open and I have requested XXXX debt verifications with the most recent being just over 30 days ago with no response. I have sent this certified mail with return receipt and they have received all XXXX separate requests from me with no replies. This is a clear violation of the FDCPA and their duties to the consumer to stop reporting to consumer reporting agencies until the debt has been validated.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number listed on my report is the following :
Consumer complaint received 2024-05-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Bought something using personal bank card and Amazon immediately charged me a XXXX fee this has been the 3rd time now so I paid off the account for Synchrony bank account and want to close the account and they refused to so whenever I buy something it immediately charges me a XXXX fee on the Amazon store card even though I had it frozen and paid completely off so now I don't know what to do other than close my Amazon account too or what! Please help they're stealing money that's wrong!
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2024 I called Capital One ( the number on my Bill ) to pay off and cancel the card, I asked for my payoff ballance to pay in full, in the amount of XXXX. 
I tried to pay with my debit card, and they told me I couldnt use a debit card anymore, as of new changes to their payment policies, they insisted on my Checking account routing number and account number, which i supplied to make the payment, this method is like mailing a check, even though they closed my account on the XXXX, they took 5 days to extract the payment from my account, this also generated a new bill for XXXX for what they call residual interest, if they are doing this to every American with a capital one card, closed or open they are stealing from the American people! 
If i call up and say cancel my card and i pay it off in the same phone call, there should be not interest, it is not the consumers fault it takes Capital one 5 days to arc the payment from our checking accounts, I can only imagine, how much interest Capital One is fraudulently taking from everyone, it is theft!, I am hoping you can do something about this illegal behavior, if you cant I will push for legislation to get involved, it is nothing short of thievery
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ADVISORS MORTGAGE GROUP, LLC (NJ)

Im filing a dispute for the date of XX/XX/2023 a company made a hard pull on my credit as they told me they would only do a soft pull! If they told me that it would be a hard pull I wouldve told them no!
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number listed on my report is ; XXXX
Consumer complaint received 2023-05-02
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)

Again, I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

This account is being inaccurately reporting on my credit profile for some time now. This account was sold to a creditor by the name of XXXX XXXX XXXX XXXX XXXX in XXXX. I previously attempted to dispute the inaccuracies in XXXX of XXXX, XXXX of XXXX and XXXX. Instead of this account showing sold to a collector or charged off, it has continually been showing as an open account with late payments EVERY MONTH which has substantially affected my payment history and credit score across all 3 of my credit reports. As recent as XXXX this account is still showing as OPEN and LATE with a balance which is incorrect information. This account was settled and paid in full with the the above creditor that it was sold to and has a XXXX balance and has been CLOSED as of XX/XX/XXXX. I overpaid on my settlement amount and was sent a refund and letter of overpayment which I will attach with this complaint. This account was still being reported as OPEN and LATE after the closure date listed above. Also furthermore Per my agreement with credit acceptance and the arbitration clause any disputes that may arise from either party would be handled by an arbitration and not my a court. This clause was violated when a request and judgment was submitted to the court in XXXX of XXXX. I also had previously contacted the company for a voluntary repression and the vehicle was never picked up nor was I contacted back by the company advising of this. The mechanical issues with the vehicle were NOT covered by the extended warranty that I purchased NOR were they covered by the manufacturers warranty as the company previously stated in their complaint response. There have been many discrepancies and inaccuracies with this company and many of its consumers including myself.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had previously looked into this account with false information, and after reviewing my report, I realized that the identical account continues to be false, with a confirmed status. Please update the enumerated account below : XXXX XXXXXXXX XXXX XXXX XXXX : {$8400.00}
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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. 

Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX XXXX XXXX 
Account # XXXX Name : XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX Account # XXXX Name : XXXX XXXX XXXX Account # XXXX Name : XXXX XXXX XXXX Account # XXXX 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 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 2023-06-09
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX 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 2023-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (PA)

I have made several attempts to the actual party involved XXXX which could not help me because they no longer have my information actively i. their system. There has been an third party part taker whom, has bought this aledged account. Their contact information that they provided to Experian are false! Not accurate. How can you dispute or rebuttal any false information or charges on a fluke phone number. The number provided is an PROMOTIONAL NUMBER. I have written Experian in writing with this concern and I have been basically ignored. And they're keeping this account that does not have any chance of resolution do to false contact information on the third party whom has bought the XXXX account. XXXX themselves can not resolve this. ONLy by the information that Experian has put forth and it's not a contact. I'm sure they have not even TRIED the number themselves to actually see that it is in fact an promotional number. How? Can you leave an UNRESOLVED DEBT ON SOMENES CREDIT. It's not right. Thank you- so much to whoever, sees this please help me I'm trying to do better!! And there is an XXXX XXXX  account that I paid more than half and they refuse after being paid to take it OFF my account. Them saying they did not agree to is not true unless, in writing. I will be writing you all for that, too God bless and Thank you, again. Please help me.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX my phone number is XXXX XXXX, in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( synchrony bank ) canceled my credit of XXXX and later was dropped to XXXX dollars. After this my account was canceled which affected my credit score. 
Now in XX/XX/year> JC Penny ( synchrony bank ) lowered my credit from XXXX to XXXX $ and this caused XXXX points to be taken from my credit score. I want to know why these companies are doing this. I have tried to speak with them and they give me no answer. I want you to check my payments history and I have not missed payments, for some time I have been trying to up my score but it keeps on being lowered by these companies for no reason. I manage my credit with XXXX XXXX and according to them closing my account is bad for my credit but I no longer want to continue using synchrony bank.
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (TX)

I paid off my auto loan. I called the lender for the payoff amount. I sent a certified check for the payoff amount. I called the lender and asked had it been applied, it had not. I asked would I be penalized if applied late, they said no. The last payment ( the payoff amount ) was the only payment ever marked late. I do not want to be penalized for this. I was paying off the car.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (OH)

All credit reporting agencies show the status of the FNBO account falsely/fraudulently reported as Past Due/Late Payments. The correct status should be Open/Never Late and in good standing for the entire history. The account should show that the account was closed at MY request because FNBO fraudulently charged my account additional amounts AFTER the account was paid in full on XX/XX/year>. 

I paid FNBO the monthly payment as agreed every single month until the balance was paid off in XX/XX/year>. I have the FNBO credit card statement that shows the account was current and the balance was paid to {$0.00} in XX/XX/year>. I also have proof showing the balance that I paid off per my bank statement showing the exact amount paid from my checking account. 

FNBO reported false account information to all three credit reporting agencies. I called FNBO multiple times to correct my account. My credit is ruined because of the false information reported by FNBO. The limits on my other credit cards have been reduced by other institutions despite many years of good payment history. My recently submitted credit card applications for favorable 0 % interest credit cards have all been denied due to this false information reported by FNBO. The limit reductions and declined application letters by banks cite the delinquent account reported by FNBO. I have suffered financially because of FNBO. I have incurred interest charges from high interest-bearing credit cards instead of favorable 0 % interest rate credit cards , which were declined/denied recently due to the false information reported by FNBO.
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

The company is Rushmore Loan Management. I fell behind on my mortgage after my hot water tank and dryer broke, and cellar flooded in XX/XX/2022. To add to the challenges, my fianc was diagnosed with a rare type of XXXX XXXX. With an income of only {$1500.00} a month, I had to deplete my savings to cover the expenses of buying new appliances and dealing with the floods. Additionally, I had to bear the burden of taking my fianc to numerous XXXX and XXXX treatments XXXX miles away, sometimes on a daily basis. 

Paying the loan has become even more difficult due to the fact that they don't accept debit card payments. I've exhausted my life savings, and now they're suggesting another loan modification that might increase the interest rate. Despite agreeing to almost double my mortgage payment to catch up, it hasnt worked I fell behind again. Moreover, they incessantly call me at all hours of the day, creating additional stress. 

Well, that's my rant for the day!
Consumer complaint received 2023-09-26
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. (GA)

I really didnt know too much about checking my credit but when I did I found 2 fraudulent accounts on my report which is XXXX XXXX XXXX  fraudulent amount is XXXX and also XXXX XXXX XXXX is fraudulent amount XXXX I have no knowledge of either one of these accounts
Consumer complaint received 2023-06-09
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. (CA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (DE)

I was not aware of ever having an account with XXXX or with XXXX. I was the victim of identify theft and these are not my debts. I AM currently paying for and responsible for an account with XXXX ( via Comenity Bank ), and have set up a payment plan to pay that closed debt off over the next five years. These other two account are not mine- I have received nothing in the mail ( bills, statements, etc. ).
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I already disputed these accounts and they continue to be reflected incorrectly on my credit report, so I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The accounts are : Name : XXXX XXXX XXXX XXXX, Name : XXXX XXXX XXXX XXXX XXXX, Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX, Name : XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC (CA)

I applied for Milestone credit card from the company and did used it. 
My first payment i called and attempted t pay my first build and i advised a milestone agent that i have not gotten a bill mailed to me as of yet. 
They advised that it may take up to two weeks. Proceeding to pay the bill though the phone call the agent asked me for my name. 
I told them. The agent then asked if i had a prefix with my name and i advised i never use a prefix with my name and i did advised that i am a " XXXX '' and that my son is a " XXXX '' So " XXXX " would be accurate The agent then advised incorrect. I was advised that i may have to wait for the bill which i never received. I then created an online bill with Milestone and was successful the first time. My second attempt to pay my next bill was unsuccessful. The online bill pay option was down for a day or two. I then called to attempt to pay and had the same issue. They agent oddly advised me to fax a copy of DL. I did from work which is not allowed but got the ok to do it. I called back to se if they had gotten it and the agent advised it will take two weeks to receive. I then i asked if i could speak to a manager to someone with an English language, They put me on the pone with someone who tried to hide their XXXX accent. 
I then accused the agents of fraud and hung up. I called back the following month to attempt to pay the build. I also advised that i still had not gotten a bill. 
They asked me again to fax a copy of my ID i advised that i had done that twice already and will not do that again. At this time this has become just a repeated cycle going round in circles. I couldn't understand their XXXX accent and grew more frustrated and hung up. I advised them if they can not verity me then how do they know i'm " XXXX XXXX? ' They could not answer that question. They even address me as XXXX XXXX. I responded with, " well at-least you know it's me and lets use XXXX XXXX XXXX and get me set up correctly because obviously this is a mistake on you guy 's end ''. The reply I got back was " i'm sorry XXXX XXXX ''. I then yelled " fraud '' and hung up. I still had not gotten a bill but they call me every other day.