davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

This is my third complaint against Commonwealth. Their response to the most recent complaint about this alleged debt is not satisfactory for me. They have not proven solid validation of this alleged debt. I told you guys this alleged debt was reporting with XXXX XXXXXXXX XXXX XXXX  back in XX/XX/XXXX along with reporting as a debt for Commonwealth on my credit report. You claimed that your client XXXX XXXX  verified that you were the only company with this alleged debt. However, I reached out to XXXX XXXX in XXXX, and they responded with written notification to remove the debt from the bureau because it was actually reassigned to XXXX XXXX which is their " sister company ''. XXXX XXXX is a " XXXX XXXX XXXX XXXX '. XXXX XXXX is not a " CREDITOR ''! And has not ever been in any type of business with me. According to title 15 USC 1692a ( 4 ) The term " CREDITOR '' means any person who offers or extends credit creating a debt or to whom the debt is owed, but such terms DOES NOT INCLUDE ANY PERSON TO THE EXTENT THAT HE RECEIVES AN ASSIGNMENT OR " TRANSFER '' OF A DEBT IN DEFAULT SOLELY FOR THE PURPOSE OF FACILITATING COLLECTION OF A DEBT! XXXX XXXX bought this alleged debt from XXXXXXXX XXXX XXXXXXXX XXXX who was the XXXX XXXX Agency who bought this alleged debt from THE TRUE ORIGINAL CREDITOR " XXXX XXXX XXXX XXXX ''. The original account number for XXXX was XXXX. Then when XXXX XXXX  XXXX obtained it the account number for them was XXXX. And now the account number with Commonwealth and XXXX XXXX through XXXX XXXX is XXXX. This alleged debt has been floating around from one collections agency or debt buying agency to the next since XXXX! I asked for the ORIGINAL contract and bill for services rendered from the Original Creditor. And what I received from Commonwealth was fraudulent documentation from XXXX XXXX as the current creditor when it should say current " debt buyer '' or " collection agency ''. Commonwealth stated and I quote " We obtained Verification of this Debt ''. They claimed to have met the standard of verification of the debt and that they are in full compliance with the FDCPA and the FCRA. Commonwealth claimed they sent me an itemized billing statement but what I received was XXXX printed up by XXXX XXXX. This bill is not from the original creditor. This alleged debt has not been Validated. In the attempt to collect this alleged debt Commonwealth has violated my consumer rights and is in violation of the FDCPA. You will find an invoice of every violation committed by Commonwealth per FDCPA. pay for I want this alleged debt to be removed immediately off all my reports and it should not be sold or transferred to another collection agency. And please make check payable to XXXX XXXX!
Consumer complaint received 2023-10-03
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: HYUNDAI CAPITAL AMERICA (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MN)

I. C. Systems sent me a letter about a debt that is not mine. I called them requesting more information and sent them a letter. Today they put accounts in collections with credit agencies without providing further information about the debt they are trying to collect on.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have a conventional fixed mortgage with Bank of America. My loan was in forbearance due to COVID. I elected the option that was offered to me by Bank of America in XXXX of XXXX per federal banking guidelines. I have been making regular monthly payments to them since XXXX of XXXX with the mobile banking app that I have been using to make these payments over the last several years. ( pre-COVID crisis ) This is based on their requests and recommendations in XXXX of XXXX. I was told those payments would trigger the option to extend the past due amounts to the end of my original loan and the issue of past due payments would be resolved. Those mortgage payments I made are recorded through outgoing banking transfers shown on my personal banking statement. The Bank of America has informed me that I am in default as of XXXX of XXXX due to non-payment. I have called them to resolve this. They say I have to produce banking statements that show payment to that account although, they have accepted those payments from my personal bank account. Where did these credit/funds go since my personal bank account has since been debited to Bank of America for {$990.00} on XX/XX/XXXX and XX/XX/XXXX? I am concerned this will affect my credit rating in the future as a past due debt. I have talked to their loan officer who asked me several questions and also wanted to know why I did not make any payments in XXXX. I explained the situation and his response was, " Well, I have no record of these payments. You must show proof. '' I explained the situation to him and he allowed our communication to devolve into an argument. My perception is that when dealing with Bank of American home mortgage with any situation outside of the 'box ' they do not listen to their customers and are very quick to claim default on loans that have been given forbearance. they also do not recognize bonafide banking transfers as payments and insist on unnecessary documentation to prove I made payments to them. This is a delaying/stalling tactic to float money from private citizen payers who do not have the support of easy money through the federal banking system. The bank statement also states I will owe late fees if they do not receive timely payment.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2023-09-05
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. (CA)

I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Hi Im XXXX XXXX XXXX, I called all three credit reporting agencies about inquiries on my credit report Equifax, XXXX and XXXX, their failing to and refuse to help a consumer, by denying me the right to dispute information on my reports that I find fraudulent, I do not want a fraud alert, these agencies are very unprofessional they have people that does not understand federal law, example I gave a call to Equifax hung up on, transferred constantly, rude, then I spoke to someone I couldnt even understand, this is the kind of professionalism you none, I want these inquiries removed I will list them and make attachments, I recently found more, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, these are on my credits reports one then once, and others are not all on the same report please remove inquiries, and please do not use and excuse I am the one filling out this information, and filed a FTC identity theft report, please remove all inquiries
Consumer complaint received 2023-08-14
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. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-23
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. (WI)

On XX/XX/XXXX I contacted Experian about the following negative 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. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-06-20
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that 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 : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}
Consumer complaint received 2023-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

on XX/XX/XXXX i were vertifyed to add a free phone to my account with XXXX XXXX from the XXXX XXXX XXXX XXXX neglience of my personal information were email, phone no exposed neiglience on XXXX XXXX from XXXX XXXX XXXX XXXX showed me were 210 peoples using my information XX/XX/XXXX XXXX XXXX frauduly took {$52.00} out my account a block were put on my account and my personal card off file too by bank of america dispute.Temporary credited Adjustment credited back to account and stated i am secured.my phone were interrupted of services behind billing own balance each month removed off XXXX XXXX pay monthly in full and still have a balance of $ XXXX are {$27.00} witch taking out of my account XXXX XXXX i saw in my account and its a XXXX XXXX information log into my account he added me for my code like its for to check my account.i keep getting emails asking to upgrade my card are make a payment.on XX/XX/XXXX no network like XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX i recieved the morning of XX/XX/XXXX a call from massachsetts on my phone he asked me did i have network and data promble and be carefull letting xfinity come out they be doing stuff asked me to turn on my phone, lab top and tablet and a app to go i hung up like i call XX/XX/XXXX refered to security dep what XXXX say and i were asked to lift the freeze off my credited cause he see whats going on need to come out to change the lines but have to get it ok firt and prove who i am. and i am under breech victim of idenity theft i will send u a gift card for breech victim in your area. never heard anything else for 7 days until i call and made a appt for XXXX XXXXXXXX XXXX XX/XX/XXXX think he did do something with my account like XX/XX/XXXX call stated 2 peoples using my line.his information in my account XXXX XXXX which i dont have bank of America negligence let XXXX XXXX XXXX get money out my account with a block on my account in XXXX of the {$52.00} unauthorized to do and bank of america and XXXX XXXX  in convience me with meeting regarding my new debit card no excess to money need monday the XXXX regarding my apt trying apply and take off market no money on monday.food refile on medication from doctor order for inflammation and pain and for chronic joints pain it time for refille but no money.delayed me for many things delayed waiting on a card in mail didnt put a rush on it.bank of america should have blocked all transaction to my account if i am security like say but didnt block XXXX XXXX from XXXX and paid money i been saying dont own cause XXXX pay in full still gave money to crimminals of XXXX  {$27.00} out my account this every month emails for money and changing my XXXX XXXX free plan by XXXX.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2023-08-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account number 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.

4 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I have a twenty year history of perfect payments with Dell Financial Services. 
In XXXX of XXXX, DFS transferred my account to Comenity Bank. 
Since Comenity Bank has taken over my accoun, t it has been extremely difficult to work with them or manage my account. I have trouble logging into their website to make a payment. I can not get a password reset. Comenity requires the full XXXX  digit account number for password changes, but Comenity hides the account number on all correspondence. If I call to speak with someone at Comenity, it is difficult to get through to a real person. If I can get through, I am not able to speak with someone who can speak English. 
In addition, for many months, my monthly statement was not being sent to the correct address or no statement was received. 
I am not alone in this problem. The Dell corporate website and various online forums list hundreds of people complaining about all of the same difficulties since Comenity Bank has taken over their Dell Financial account.

Through no fault of my own, Comenity Bank has now marked my credit report with multiple late payments and damaged my credit score.

I have already disputed this with the three credit agencies, but Comenity refuses to correct the problem.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (NJ)

Apple Card has a fundamental problem with their customer support. Their support lines are horrible. Their right hand doesn't know what their left hand is doing. When an issue is raised with their chat option or their phone option they have no clue whether this is to be handled by Apple Card support or Goldman Sachs support and the customer gets bounced between the two groups. This results in a very long time to resolve an issue that can be addressed in a few minutes. The time to resolution is horrendous. Basically they are staffing their support with incapable, inefficient and incompetent people. This has nothing to do with a specific transaction. This happens with EACH and EVERY issue. This is unacceptable and Apple Card should be penalized for this.
Consumer complaint received 2024-04-24
Product: 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. (AR)

I received a gift card with {$500.00} on it. I haven't been able to use it, and I contacted the card company, and they said I would need a replacement card sent to me. I still have not received the replacement card and I have no ticket number to inquire about it.
Consumer complaint received 2022-12-08
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. (FL)

Regardless of the multiple written requests, the unverified public records listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. You are allowing slander on my credit report. Your XXXX  need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete, and NOT VERIFIED! 

XXXX  XXXX BANKRUPTCY XXXX Filing Date XX/XX/2013 Reference Number XXXX
Consumer complaint received 2018-12-12
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. (GA)

XXXX XXXX XXXX XXXX XXXX {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, reportability of this listing. 
There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.