davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
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: Resurgent Capital Services L.P. (CT)

My mother stole my identity back in XXXX XXXX and opened up several credit cards in my name. She had all my information because I am her daughter. She never paid off the full amount of credit cards and the bills went to collections. I never authorized these accounts to be open.
Consumer complaint received 2023-10-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (OR)

I have attempted to contact the original rental company, debt collection agency, FTC and credit bureaus to remove this debt collection. It still is being associated with me despite having absolutely no connection to this debt. 

I have provided extensive documentation to prove that I have never lived at the address where this debt is owed.
Consumer complaint received 2018-08-10
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: SYNCHRONY FINANCIAL (FL)

There is a known issue with XXXX XXXX concerning three ( 3 ) hard inquiries on my credit report from XXXX XXXX XXXX through Synchrony Bank. I contacted Synchrony Bank, the associate that answered stated this is a known issue and that others have called in stating it has happened to them as well. The associate advised me to reach out to XXXX XXXX to dispute it, however, there is no contact number. These three ( 3 ) hard inquiries dropped my credit score by XXXX points. I did NOT apply for any airline credit cards. I need help with this please. On the app it states that one will drop off at the end of XXXX and the other will drop off in XXXX. I have been working on repairing my credit over the past four ( 4 ) years and it was rising steadily, till this happened. 
Thank you
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I have requested that my personal information be corrected. I have sent in state ID to provide proof and they have not updated it yet. I am requesting that you enforce my right to have an accurate file with the credit reporting agencies. This is very detrimental to my credit file and my options in regards to credit.
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP. (AR)

I called New City Funding in XXXX XXXX, XXXX  repeatedly asking for help because the truck was dead and would cost {$4000.00} to repair. I had been with them for almost 4 years having paid off a first loan and getting a second that was almost paid off. The principal having been paid and {$1500.00} interest remaining. 
I told them to come repo the truck. They said it wasn't worth it. To scrap it. So I did. 
I also explained, before this, that I'm on XXXX and can't make 2 vehicle payments. 
The employee named XXXX just said, after repeated calls that I've asked them to not make and only contact me by mail, that he would call me " every day for 25 years '' since I was not making the payments. 
I'm tired of being harassed by multiple phone calls.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (WI)

Calls frequently throughout the day from different numbers every time. Never misses a day without calling me, even on the weekends. I have told them to stop contacting me and they dont listen. They arent even a company that I owe any debts to. I dont know what they want from me but it seems like a scam.
Consumer complaint received 2023-08-21
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. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have completed the offer described on this website : XXXX XXXX   XXXX XXXX   XXXX When I called Capital One, they claimed that I didn't qualify because the {$50000.00} deposit was " not all at once ''. After I said that this was not in the promotion language, I was told I didn't qualify anyway. 

I asked to be transferred to a manager, who proceeded to bully me into accepting {$100.00}. I made it clear that I'll accept the {$100.00} as a gesture of goodwill, but that I need the remaining {$400.00}, and I will be filing a complaint to that effect.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

XX/XX/2023 approximately {$16000.00} was deposited into the accounts and pending transactions were doubled and withdrawn from the accounts causing overdraft fees. Overdraft fees were processed on the account before the 24 hour holding period. I have done my best to communicate this issue with no resolution and a loss has been detected. No funds have been returned. I was told that USBANK is holding funds but have not been reimbursed to the entirety. Approximately {$4000.00}. I have been told to dispute transaction with the fraud department but this is an internal issue and email complaints are falling on deaf ears.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi I just wonder if nsf fees that Bank of America must reimburse to their clients is between XXXX, correct? My concern is what I saw on my statement counter credit which will be added from the early date of a bill. However, I asked bank already but failed to get the answer.My understanding is that adding counter credit from the beginning of the bill to deduct all the negative expenses that will cause nsf fees eventually. 
I often cashed check and withdraw at teller. But I never once deposit at tellers since atm machines are available 24/7 and show up on account immediately. Therefore, why would I wasting time to wait in line and fill papers? Bank of America will not reverse the fraud transactions in XXXX anyway. So it is hard to prove if the nsf transactions really exist. Or else I would love to hear explanation of counter credit that I dont think I have made. 

By the way, in XX/XX/XXXX that Bank of America just remove, I found a suspicious check that Bank approved it. Number of check wasnt consistent to my check that was XXXX. Representative said that was my check when then name on the check was not even me. Also, there was no signature on the check. Bank let that check deducted money from my accounts. I asked for check details which they can not answer. The same incidents happens in XXXX 2 checks but very interesting that those checks were using the same account number but different routing numbers. Even irs, never had my 2 routing numbers. Especially, my routing number were from XXXX. But I lived in XXXX over 10 years. I was surprised that a scam could get those information. Btw, the check scam company was in XXXX XXXX XXXX XXXX XXXX. I believed XXXX was investigating.
Consumer complaint received 2023-03-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

Between XX/XX/XXXX to XX/XX/XXXX- I had a mortgage with Wells Fargo - during that time, I made all payment except for a few months which cause me to file for XXXX  XXXX Bankruptcy in the XXXX. I repaid all that money and at the end of my bankruptcy ended in XXXX, I was told by wells Fargo that i needed to modify my loan which i ended up owning more then i bought the house for XXXX  years prior. I tried to fight, no one seem to be able to help until I sold the house in XXXX to get out of the Mortgage.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help too Remove a portion of the data in my credit file that came about because of fraud yet I have items passed on that should be taken out or removed Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance {$7000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$870.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} - tied up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

This was a car load with SECURITY SERVICE FCU in XXXX XXXX TX account number ( XXXX ) XXXX The original amount of this account was {$27000.00} it was open XX/XX/XXXX and my last Paymen was in XX/XX/XXXX after I made the last payment the rep congrats me and told me you will get your tittle after couple of days they start calling me that I owe {$300.00} and is late I come in and paid it off but my issues is I was impacted with Covid I lost everything I was struggle to feed my family they even give me a break on the payments thats how I gat into the two late payments which I keep call them about I was told they put it in the system already is not going to be count against me the other once I lost my job but still manage to make the payments all the is with a 30 days grace period this is really counting against me since now am trying to put my family in a home
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AR)

I have received phone calls from an XXXX phone number. This phone number is Midland Credit Management 's line. I haven't answered them normally and sent them to voicemail as the label on my phone continuously pops up as Account Services. Today, XX/XX/24, at XXXX CST I was working and received a call again. I decided to answer. I said hello, and the agent stated " XXXX, XXXX? '' I said hello once more and the agent proceeded to state that the call was being recorded. From there they identified who they were and were clearly trying to get ahold of XXXX. XXXX is my husband, and obviously I'm not him. They attempted to confirm his private information with me. I stated that they had absolutely no authorization to communicate with me, nor him, especially when we were at work and when our bosses don't allow private calls. I asked to speak to a supervisor and the agent REFUSED more than 2 times unless I provided him information on XXXX. I stated that I knew that he did not have grounds to state that, and that he didn't need to verify anything with me in order for me to speak to a manager since he was the one calling me on my phone number. After roughly 4 attempts, I got a manager on the line. I established a cease and desist for both my husband and I. I was able to record the partial phone call/ending due to me being at work and being limited with what I could do. 

No debt collection agency is authorized to contact a spouse and request info/verification unless it is a shared debt. Let alone while the spouse is working. I am officially filing this complaint and will be filing a lawsuit as well.
Consumer complaint received 2023-04-17
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. (FL)

It has come to my attention that, although I have written several letters, asking for validation of debt, audit trails, I am not getting any response because of the automated system you have in place, which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws. 

15 USC 1681 AE 15 USC 1691 15 USC 1601 15 USC 1692
Consumer complaint received 2024-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (CT)

This debt collector employed abusive, deceptive and unfair practices, violating the FDCPA. They reported an account we did not agree upon, and I did not sign any agreement. A legal contract involves two parties, and I was not a part of it. Moreover, they neglected the proper 5-step validation procedure, constituting an unfair practice. According to the FDCPA, I am entitled to {$1000.00} compensation per violation, and its clear they infringed on my rights.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (KS)

After the XXXX and XXXX merge XXXX I was sent to collections for an outstanding debt of {$300.00} for phones I had already paid for and switched to another carrier. I called XXXX XXXX XXXX XX/XX/2023, and they confirmed that I had paid the XXXX  months of fees on the phones before I switched services. When I contacted XXXX customer support they forwarded me to the debt collections agency. It seems that because of this merge they changed the rules about how phones are paid off. I can no longer get access to my XXXX account to document that the phones were paid off or get a copy of my contract.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

This is in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX XXXX regarding the XXXX debt that we acquired in their name, which is now associated with XXXX Reference # XXXX. In an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus delete our tradeline. Please allow sufficient time for updates to be reflected on XXXX XXXX XXXX 's credit report. Thank you for the opportunity to respond. 

I am writing to you regarding the recent admission made by XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX XXXX '' ), a furnisher of information to your agency, regarding their wrongful actions in reporting derogatory information related to a XXXX debt associated with my name, XXXX XXXX XXXX. 

In their correspondence with the Consumer Financial Protection Bureau, XXXX XXXX confessed to violating my rights by improperly reporting and attempting to collect on this debt. As a result of their admission, they have terminated collection efforts on the debt and have requested the deletion of their tradeline associated with my name from all major credit bureaus, including yours. 

The actions of XXXX XXXX have not only caused me undue stress and inconvenience but have also severely impacted my financial well-being. The derogatory information reported by XXXX XXXX has adversely affected my credit standing, resulting in denied credit applications, higher interest rates, and other financial hardships. 

As a consumer reporting agency, you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information you report. By failing to properly vet and verify the information provided by XXXX XXXX, you have contributed to the harm inflicted upon me. 

Therefore, I demand the following remedies from your agency : XXXX and permanent deletion of any derogatory information related to the XXXX debt and XXXX XXXX 's collection efforts from my credit report. 
A written confirmation, within 14 days of receipt of this letter, that the requested deletions have been made. 
Compensation in the amount of {$1000.00} for each violation of my rights under the FCRA, totaling [ XXXX ] violations. 
An apology letter acknowledging the harm caused by your agency 's failure to ensure the accuracy and fairness of the information reported. 
Failure to comply with these demands within the stipulated timeframe will leave me no choice but to pursue further legal action against your agency for the damages incurred. This may include filing complaints with regulatory authorities and pursuing civil litigation to seek appropriate remedies and compensation.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-10-17
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. (NC)

1099c I do not recognize how this account is reporting on my credit report. I do not recognize the account number, I do not recognize the account status, I do not recognize the account high balance, I do not recognize the late payments associated with this account. 
Please delete ASAP
Consumer complaint received 2023-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Mercari, Inc. (VA)

I made a purchase on Mercari.com, which prohibits the sale of counterfeit items, but I received a fake item. I was unable to contact the website within the 3 days rating period, but when I did contact them, they gave me a 30 days exception. They asked for images proving inauthenticity and a third party confirmation. Although it was difficult and time consuming to obtain these, I was able to in the end. Once I did, I received a message saying I am outside the 15 day period. Them changing their words from 30 days to 15 days back to 30 days and then 15 again happened twice ( see attached correspondence ). Both the purchase was a fraud and Mercaris emails were fraud, promising resolution under some terms, and then breaking their words. They lied in writing. The item purchased link is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would truly appreciate your assistance with this.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You are reporting unauthorized information on my credit report. Please see the attached ftc report and XXXX breach claim and remove the incorrect address and unauthorized inquiry from my Transunion credit report immediately. Please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.
Consumer complaint received 2024-03-19
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-21
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. (AZ)

Months ago, I have sent a letter to the three credit bureausasking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly remove these ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX