davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Revco Management, LLC (TN)

RevCo Solutions called and began the call by requesting information about me. I had who was calling and the nature of the call, which the caller refused to provide information until I did. After reluctantly saying I can take a message but not provide information, they ended the call. I called them back, where I received another caller who also hesitant on providing me and information. I pressed on about what the call from a debt collector was until they finally provided a small amount of information. After asking them to verify it, they wanted me to provide information regarding my location and health coverage. After saying I will provide at a later date they ended the call. I called back a third time, where I made it clear that they are no longer allowed to call this number to ask for information, where the same caller from before just said ok. I made it clear that I want her to verbally confirm they will no longer make any calls, where she reluctantly did so and I ended the call. 

They also are trying to collect a debt that is way over the balance determined by the original collector. As well as stating they have sent me multiple notices by mail, but I have received nothing until the first call. Im fed up with this company and their contact harassment and would like to push for the debt to be void.
Consumer complaint received 2023-07-10
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)

This is my numerous request that you amend this suspicious data. 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. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I filed for XXXX  XXXX Bankruptcy in XXXX of XXXX and included my car loan I received through Capital One Auto Financing. The Bankruptcy Case Number for the state of Louisiana is 20-10445. The amount of the car loan at the time of filing was {$17000.00} ( {$17000.00} secured, and {$630.00} unsecured ). I paid the full {$17000.00} of the secured portion of the debt and I'd only paid {$110.00} of the {$630.00} balance before the case was dismissed at the beginning of XXXX due to non-payment. I lost my job in XXXX of XXXX and was not able to make the final payment of {$520.00} towards the unsecured portion of the car loan debt. 
I received a letter in the mail from Capital One stating I owed {$1600.00} towards the loan. I've attempted to call several times to resolve this issue. I spoke with XXXX, ID # CWI twice, once on XX/XX/XXXX and again on XX/XX/XXXX. During the conversation on XX/XX/XXXX, I informed XXXX that the amount they stated I owed was incorrect and that I could submit court documentation showing the correct amount owed on the vehicle. She said she would notate the account and forward my dispute to management and for me to call back on XX/XX/XXXX. I called back on the date requested ( which is today, as of the writing of this complaint ). XXXX appeared to have trouble finding the notated documentation and then explained that the amount of {$1600.00} but did not attempt to provide me with instructions to upload my documents to prove the correct amount. She said I couldn't speak to someone in management but that she would escalate my dispute to the resolution department. 
I refused the request to transfer me b/c at this time, I feel like I'm getting the run-around and that this company is making it difficult for me to resolve this issue so that I can receive the title for my vehicle. I am now working and fully prepared to pay the remaining balance of {$520.00} as owed but I refuse to pay a company {$1600.00} with no other documentation other than a letter that states it. I'm also feeling cautious because the representative I spoke to was reluctant to provide me instructions of how to properly file a dispute online and upload my court documentation to show the correct amount I owe. I honestly just want to resolve this matter as quickly as possible and obtain my car 's title. Please assist with helping me get this matter resolved. Thank you. 

The company 's information is listed below : Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX The number listed is XXXX An additional address at the bottom of the form is Capital One Auto Finance XXXX XXXX XXXX City of Industry, CA XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I requested Experian to remove my old addresses from my credit report. They have declined. A family member of mine was a victim of fraud and one of her previous addresses was used to defraud her. I am fearful that this might happen to me. I want my credit report to reflect only my current address and not any addresses I lived at more than 5years ago.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CULLEN/FROST BANKERS, INC. (SC)

Interest rates accrued, all wrong with high balance on checking, I had a checking accrued account, also high balance on Money Market and CD ... opened in XXXX and closed in XXXX Ignored .. defamated discriminated retaliated ilegally persecuted
Consumer complaint received 2020-07-29
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: U.S. BANCORP (WI)

On XX/XX/2020 I made an online purchase for {$17.00} from XXXX XXXX XXXX. The telephone number is XXXX. When I did not receive the item about a month later I called and the phone number is disconnected. I can not find the company. 

My complaint is against US Bank XXXX. I called to dispute the charge and originally they took it off while they investigated. This was in XXXX. Then on XX/XX/2020 they re-charged it and I got a letter saying I agreed to the charge. THAT IS FALSE - I NEVER AGREED TO IT BECAUSE I NEVER GOT THE MERCHANDISE AND THE COMPANY DOESN'T APPEAR TO EXIST. 

I also had another charge that was fraudulent and apparently they determined that this wasn't fraud because I ordered it. BUT I said I wanted to dispute it. 

I have called numerous times and I keep being told that is it being investigated and a supervisor will call me back - NO ONE CALLS ME. They also say they can not take it off my charge because they took it off once. This has been going on since XXXX.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (VA)

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section XXXX XXXX XXXX XXXX ( a ) ( XXXX ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (NC)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX 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 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am filing a complaint with the Consumer Financial Protection Bureau regarding XXXX 's sale of a used vehicle to me, valued significantly above its reported market value, and the unethical practices of SANTANDER Bank in financing the purchase. Despite realizing the discrepancy, SANTANDER Bank has consistently imposed exorbitant late payment fees, making it impossible to keep up with payments, with the majority going toward fees rather than reducing the principal balance. Despite my request for a copy of the contract to validate these charges, SANTANDER Bank has been dismissive and uncooperative, instead pressuring me into making additional payments. This behavior, coupled with threats of repossession, suggests fraudulent practices by SANTANDER Bank. Immediate investigation and action are warranted to rectify this situation and protect consumers ' rights.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Failure to remove 2 negative closed reporting accounts on my credit report that is hendering my ability to get credit..I opened a dispute as a result of identity theft and experian is failing to remove the accounts
Consumer complaint received 2023-04-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (IL)

Got a call from a process sever that they have tried to serve me. XXXX XXXX as a number to call XXXX XXXX XXXX. Called and the gentleman rambled off all of my personal info ; social, XXXX, phone and an old address. Said that I owe a debt to Citi for $ XXXX from 2006 and that they are going to sue me for the money and put a lien on my vehicle, which he then gave the year l, make and model and last 5 of my VIN and for committing fraud by not paying. He refused to give me the law firms address and web sent and demanded I pay over the phone right then. Called Citi and they verified I have no debt and that they use in house to collect. Process server called my brother in law the next day and left same message, after speaking to me on my phone. I called and asked them to stop calling any numbers they have and the gentleman at XXXX l, XXXX XXXX, told me he would keep calling me whenever he wanted and that its illegal to not pay your bills.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Synovus Bank (CA)

In an attempt to rebuild my credit after a bankruptcy I applied for a pre-paid credit card. I sent them {$1000.00} and was supposed to receive the card within 10 days. More then 2 weeks had passed when I finally went to the website to try and get some help. They do not list a phone number. I managed to find their phone number elsewhere online and called them repeatedly. They seem to have no record of me and yet they took my money. Someone always puts me on hold to " go look into it '' and then never comes back to the phone. This has happened three times. The company 's name is First Progress. Oddly, enough they come very highly recommended by XXXX XXXX. I also reported them to the XXXX XXXX XXXX whom First Progess is a member of, again oddly enough. The XXXX was supposed to send me an email with a complaint  form to fill out but they never did.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (SC)

A company called " Rise '' has been reporting an alleged " charge-off '' on my consumer report and it is inaccurate. Pursuant to IRS topic number 453 titled " BAD DEBT DEDUCTION '' says that bad non-business debt must be WORTHLESS to be a deductible. Obviously Rise has benefited from this alleged debt by writing it off as a tax dedcuction. Which makes it income for me. The Consumer reporting agencies does not report income so how is it that Rise is reporting an alleged charge off? 

As a Financial Institution defined under 15 USC 6827 they have a duty to provide 3 disclosures to me which are : 1 ) Such disclosure that clearly and conspicuously detailing that such information may be reported to a third party 2 ) A disclosure giving me the opportunity to direct that such information can not be disclosed to a third party. 

3 ) A disclosure giving me the explanation of how I can exercise that nondisclosure right. 

Rise does not have this information therefore they have no right to report any information about to any third party. I never gave permission to disclose such information.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous inquiries on my credit report that were not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent inquiries from my credit report as soon as possible. 

XXXX inquiry date XX/XX/23 XXXX XXXX inquiry date XX/XX/23 XXXX inquiry date XX/XX/23
Consumer complaint received 2023-04-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I recently filed a complaint with Portfolio Recovery Associates. Their company states that they provide a letter asking credit bureaus to remove paid lines from credit report. A year and a half later, the accounts still appear on my credit report. When asked to provide a copy of the letter they sent, they stated they could not do that. This denial of my request begs the question of whether o not the letter was actually sent. In my initial complaint, I stated that I merely paid the accounts to have them removed from my credit report. This was not an admission that they were mine. They responded by saying that information linking me to the account came from the original credit bureaus. However, this information was never provided to me nor did I ever submit in writing that the debt was mine and was still owed. However, the debt was owed to the original company and not the credit agency. I would have had no contract with them despite them purchasing the debt from the original creditors. They also failed to provided the dates of when my accounts went delinquent. As per my understanding, an account becomes delinquent after the first missed payment. If the first missed payments were 7 years from the date I paid off the collection, then this company has indeed collecting money outside of the statue of limitations. The company failed to adequately address these issues in their response.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

On my XX/XX/XXXX statement from Barclay 's Mastercard I was charged interest on purchase s even though I paid the previous month 's balance in full. This is apparently a new policy implemented without prior notification. Is this legal?
Consumer complaint received 2024-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MN)

Resurgent Capital Services is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law by constantly and consistently harassing by phone, text, email and U.S. mail in regards to a debt from the XXXX XXXX XXXX for {$340.00}. The debt collection or debt isnt not my account or debt. The debt is the result of identity theft.
Consumer complaint received 2023-06-07
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-15
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: Credit Fresh Holdings Inc (ID)

I have disputed this XXXX account that's on all XXXX credit Bureau 's that says I owe XXXX, it came back that it is my account by the consumer. So I called the collection agency and I have the call recorded which I told them I was a recording so I wasn't doing anything wrong. First I was hung up on 2 times because the people couldn't find my account through my name or social security number. I was so upset that my XXXX called back and spoke with them. To which again they said we can't find her account there is nothing listed for her. He and I both said then you need to take this off her credit reports, you can even find the account. to which their response was to hang up a third time. I called XXXX and was on the phone for XXXX hours trying to get this removed off my credit report and they said dispute it again, which I did and the company cam back saying the account was valid. I asked XXXX where was this opened at? They said in XXXX I have never lived and XXXX and followed up with how is it that I opened an account with XXXX which since has been removed off my report in XXXX Nevada then 2 months later open another account with XXXX XXXX XXXX. It shows all over my credit bureaus that I'm a victim of identity theft. I just found out yesterday that this person filed tax returns in my name which I will be filing a police report. But this company needs to remove this off. my credit bureaus. Ive done everything I can and I'm getting no where. It's source receivables. XXXX
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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