davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
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: AMERICAN EXPRESS COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Company would lower credit limit to amount charged creating usage greater than 39 % usage and a negative mark in credit report as delinquent and reported several times to credit bureaus and several inquiries within days of each inquiries
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

LVNV appeared suddenly on my credit report when I checked my reports one day. I proceeded to write a letter and sent it certified. I informed them that I do not know who they are collecting for and ALSO to validate this alleged and fraudulent debt by validating their right to collect with a valid license to collect in my state and, more importantly, an ink signature on a contract I signed with the creditor. ( Keep in mind I still do not know who this phantom creditor is at all at this point! ) To date I have no validation and no creditor to contact!

So I need this account DELETED IMMEDIATELY!

They are violating my federal and state rights, damaging my reputation and ruining any chances for credit enhancements by this item appearing on my credit files!

Violations of the FACPA, FCRA, and various state laws have already been violated!
Consumer complaint received 2021-06-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo is reporting to the credit bureaus that I defaulted on a loan as a joint account holder on a loan I NEVER took out. IF this account was opened, it was obtained fraudulently. I never opened a loan with WFDS. This account needs to be retracted immediately.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (IL)

This complaint has been made directly to Citibank many times. 
Their bill pay function is often down or not working or states I have no payees. They have recently changed their bill pay from a straight alphabetically list of payees to this new dash box and the new system ( while the old list can be found -- but often difficult to get ). The new boxes takes up a lot of space ( pages to scroll down through ) and time and is very inefficient for those paying many bills. They added multiple payee list, but that is very confusing as well. Simple is better and faster. But that aside. One can still pay bills if the functions work. The problem is something is not working most every time I go to pay bills. I am a busy person. I then see listed the statement : not working ; try later. Often later is not a few minutes, but hours. Often I will not be back by a computer for a day or two and need to get bills paid. I like to do from home as I keep records of bills paid and doing them on the run is not the best way ( with a cell phone ). So, I have tried in the middle of the night. Then down for middle of the night work. Tried today at XXXX XXXX XXXX, not working. 
Today at XXXX XXXX I managed to pay three bills ( # reference number # XXXX, XXXX and XXXX ) and then the function stated I didn't have any payees. I called to complain and regular Citibank operators sent me to supervisor who hung up on me or got disconnected. She had just asked my phone number so could have called me back ; she did not. I called back and was told the problem was still existing. All toll this attempt to complain consumed about 45 minutes of my time. If this happened, once, it would be ok. But this has happened at least 12 or more times recently. Based on that, I believe they are not giving the advertised services as they should. They also hang up on you when they don't want to hear the complaints. Since they ask for your phone number, they should call you back if a disconnect occurs. They do not.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: VALLEY NATIONAL BANCORP (NJ)

I am the executor of an estate and the POD/Beneficiary of an IRA CD at Valley Bank and 11 months ago dropped off a death certificate and Surrogate certificate. Several months later I again showed the same paperwork at bank. Five weeks ago a responded to a branch to transfer the funds to another institution in my name and was told that they were not aware the owner of the account had passed. For a third time, I provided the paperwork showing he had passed and was told in four weeks I would receive paperwork. Five weeks have passed and I contacted branch who called IRA department and said it will be 2-3 weeks more before I receive any paperwork. The branch representative was not sure how things would proceed and informed me that the IRA department who is their " back office '' handles these matters. I requested to speak directly with them and was told they do not speak to customers but I can try the main Valley Bank number. I stayed on hold for close to two hours with no response. Again, I reached out to Valley Bank and put my representative from XXXX XXXX where I would like to move the funds on the phone with Valley staff. The situation still could not be resolved as the Valley Bank teller/banker could not provide a professional courtesy and allow the XXXX XXXX representative speak to someone who had knowledge of what to do. Valley Bank rep. told XXXX XXXX to call the same number I had and that she would be waiting a couple of hours if she did get through to someone. Situation still not resolved.
Consumer complaint received 2021-06-16
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: EQUIFAX, INC. (NC)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax 1 XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-06-17
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. (CA)

( 2 ) XXXX XXXX XXXX Account XXXX Is reporting I had ( 2 ) day lates which is not accurate I asked the credit bureaus to verify and they did not
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

( 2 ) XXXX XXXX XXXX Account XXXX Is reporting I had ( 2 ) day lates which is not accurate I asked the credit bureaus to verify and they did not
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (CA)

I contacted Equifax to dispute fraudulent inquiries. I submitted the FTC report they requested. 
As you can see they still have not deleted the XXXX inquiry even with the document stating they will.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

Some of my private information may have been exposed to a hacker XX/XX/21. My credit is usually frozen but at this time it is thawed until XX/XX/21 for a utility company to run a credit report on me. I have been trying to get the freeze put back on my account asap but am unable to do it through Experian 's website or through their automated phone line. I am also unable to reach a live person to help me. This is very frustrating and potentially detrimental to my credit if the hacker is currently running rampant while my credit is thawed. I had no issue with the other two credit unions ( XXXX and XXXX ), experian on the other hand has been awful to deal with.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

Reference : Homedepot credit card serviced by Citi Bank Without warning they lowered my credit limit. They lowered the amount immediately before the 6months interest free terms expired. The added interest and forced fees placed me over my new limit and caused more " over limit '' fees. I attempted to contact Citi bank ; they were unwilling to discuss this poor practice. 

I am sure that others have experienced the same issue. I am now always over my limit due to added fees even when paying their " minimal '' stated payment.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (CA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (CA)

I Would like to report this collection company that has damaged my credit for a very long time. I was a patient with ( Original creditor : XXXX XXXX XXXX ) She was my dentist. I am a full-time XXXX at XXXX XXXX and I have excellent dental and health insurance. I presented my dental insurance card to my dentist and I assumed that she would apply all the charges to my insurance and send me the bill if any.The front desk of the dentist office had all my phone numbers and my address I never heard from them. All of a sudden this collection company put this unknown bill on my account and I called my dentist, which is XXXX XXXX XXXX and told her that my insurance company was to pay that and I gave you my insurance card before you started the procedure. This collection company has damaged my credit for too long well I don't owe them any money and they did not send me a letter to let me know what the problem was so I could have resolved this issue before it was put on my credit report.This collection company also updated the balance this month which is incorrect and it is damaging my credit.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One denies my request for gold spark business card because it inaccurately report wrong score status t o get card. CAPITAL ONE CREDIT WISE SAYS I MUST HAVE FAIR CREDIT. CAPITAL ONE WISE REPORTS I HAVE FAIR CREDIT BUT STILL DENIES MY REQUEST SAYING I HAVE POOR CREDIT AND I DONT. This request has the documents from credit wise by capital one which states I have fair credit but I was still denied
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

I contacted XXXX XXXX XXXXf XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them. They reported on my credit report as I had an account in collections with them in the amount of {$5900.00}. 

I also informed Professional Debt of that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX XXXX '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. 

I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. 

In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), and 15 USC 1692f ( 8 ). They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. 

I appreciate the CFPB 's assistance in the matter. 

Best,
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (GA)

I moved out of an apartment where I had XXXX internet and cable service. It was month to month with no contract. I moved in Late XXXX, early XX/XX/XXXX. I made my last payment XX/XX/XXXX. I have an email thanking me for the payment. I called to disconnect the service and was given instructions to return the equipment to avoid additional charges. I returned to a XXXX  store in XXXX, Ga. I called back to confirm receipt of the equipment and no outstanding balance. I was told there isn't a balance " at this time '', and they could see where the equipment was received in. I provided a forwarding address, and they had my email and phone number since XXXX. I have not received anything more than promotional emails from XXXX  until today XX/XX/XXXX getting an alert that my credit report changed. I looked at it and there was a collection from I.C. Systems with an approx. {$250.00} balance. I called to verify and was explained that it was from XXXX. I explained everything stated above to them but they were only interested in collecting the debt, even offering a settlement. I told them I didn't feel that it was correct. And if there is was a balance, I should have been notified prior to it being placed on my credit as a collection. I have had no notice of a past due balance for the entire time. This has to be some type of violation of consumer rights. It places a negative impact on my credit report and it is a unfounded charge that they mysteriously generated after almost 2 years, without notice.
Consumer complaint received 2021-06-17
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: CREDIT ACCEPTANCE CORPORATION (IL)

After my last complaint against Credit Acceptance, I was able to enter the Covid Relief Protection plan. The plan stated that I would have 90 days where I would not have to pay anything so that I could get back on track. After the 90 day mark was up, I would have to pay the original amount of the monthly payment each month, within a 30 day timeframe. 
In other words, once I started paying the loan back XXXX XXXX ) I would have between XX/XX/XXXX and XX/XX/XXXX, without consequence, to make the payment. If I continued to make the payment as instructed, I would be allowed to stay on the plan. The plan does not stipulate that I need to make a payment arrangement and it does not say that I need to pay for any amount of the loan that is already in delinquent status while on the program. 
In XXXX, I began making the payments as instructed. Each month after the payment was made, I began getting up to 10 calls a day telling me that I needed to enter into a payment arrangement. When I informed the agent that I was on the Covid Relief plan, I was told that even though I was I needed to enter a payment arrangement to 1. get the delinquent amount caught up and 2 to make sure that I am paying " on time '' or I will continue to get calls. I was not informed that the company would continue to mark my credit as 120 days or more past due. 
When you read the guidelines of the Covid Relief plan on their website, this is in total disregard to what the plan actually stipulates. 
I need assistance with getting this corrected. I am doing the best that I can, yet I am still being harassed, and I am still suffering under this company.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 

XXXX XXXX/XXXX/15 Finance XXXX XXXX/XXXX/15 Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} 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 2021-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing because Ive been reaching out to Transunion for over 2 months about a company putting false late payments on my report and they have not responded yet. I reached out to XXXX about this and they corrected the issue and updated my payments to never late and paid 100 % as agreed, so I don't understand why transition is taking so long. I was never late with any payments and I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false late payments on an account that is already closed.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC (AZ)

On XX/XX/2021 I requested by phone that Mountain Run Solutions provide me proof of debt to support the derogatory collection they placed on my XXXX credit report. 

I filed a complaint with the XXXX XXXX disputing the debt and asked once again for proof, On XX/XX/2021 they once again refused to provide this information to me saying it was my responsibility to obtain it. 

Under Federal law they are required to send me proof of a debt and they failed to do so.