davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-21
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Specialty Service Inc (LA)

XX/XX/XXXX, XXXX in XXXX, CA turned over my debt of {$1000.00} to Creditors Speciality Services ( XXXX, XXXX, OR XXXX, XXXX ). In XX/XX/XXXX, Creditors Specialty Services contacted me to collect the debt. In the meantime, I had already paid {$600.00} to XXXX because I did not know my account had been turned over to collections. 

Creditors Specialty Services instructed I could pay the remaining {$420.00} to them. On XX/XX/XXXX I paid {$420.00} over the phone with my debit to Creditors Speciality Services. I have a bank statement to prove this. 

As of XX/XX/XXXX, more than a year later, Creditors Specialty Services has not paid XXXX the money that I paid. XXXX is holding my car title hostage until Creditors Speciality Services pays them. 

After contacting Creditors Specialty Services, I have learned that their owner was fired for fraud and theft. 

Creditors Specialty Services is a fraudulent debt collector.
Consumer complaint received 2021-06-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/2021, I found out my father took out a loan in my name. I began receiving notifications through my credit reporting agency that my score had been affected because of this. I reached out to the original creditor ( XXXX/Synchrony Bank for Car Care ), and the collection agency they referred the debt to, XXXX XXXX. I explained this was not my debt. My father had even admitted to the debt being his, had called XXXX XXXX directly, and signed sworn statements verifying this debt. The account was not mine, has never been mine, I do not even own a vehicle in order to take out a loan like this. Both agencies refuse to remove my name from the account. Additionally, XXXX XXXX has been calling me nonstop even after they have been told to only correspond with me via email or snail mail. I have made this request to them in writing several times, yet they continue to call me everyday.
Consumer complaint received 2015-04-24
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Consumer Financial Debt Services, LLC (IL)

I was applying for a loan which was denied because of a previous finance company I had done business with failed to update my payment status accurately with the credit bureau. My loan has been paid off, according to the Consumer Financial Services, since XXXX XXXX, 2014. I filed a dispute with experian and experian responded that they have contacted consumer financial and information is correct. The account should show was closed and Consumer Financial needs to update this to show as closed and paid in full. They show the account is open and in good standing with a balance of {$1300.00} on XXXX loan and open and in good standing with a balance of {$410.00} on a second loan. XXXX loans are paid off completely. This information is completely false.
Consumer complaint received 2021-06-20
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. (GA)

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 2021-06-20
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)

XXXX XXXX failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my XXXX XXXX credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX 's failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my XXXX XXXX credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws
Consumer complaint received 2021-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

Paypal closed my account for no reason and will not help me with getting it back up and going to have my funds released I have tried many time and was told I had to wait for an email but yet months and months go by with no resolution it has been well over there 180 wait and still nothing. I did a search and found I could file a complaint on here I am very upset that I had to wait about 10months and counting they are defiantly in violation of their own policy and should be address I shouldn't had to wait this long for my own money that has caused me even more issue due to them closing my account and holding my funds. my email linked to my account is XXXX XXXX
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: South West Recovery, Inc. (CA)

Southwest Recovery Services ( https : //swrecovery.com/ ) has been repeatedly calling me about giving them a credit card number for a debt that has already been settled in full with XXXX. I moved my service and long story short - XXXX created a separate account and started billing me on the new account but a small amount ( {$100.00} ) was outstanding on the original account. When they made me aware of it, I paid it immediately. ( I HAVE NEVER BEEN LATE ON ANY PAYMENTS MY WHOLE LIFE - EVER! ). 
SW credit has been sent both documentation and told several times on the phone about the settlement of this debt. I have also gotten a SW credit rep on the phone with time warner to explain that the debt is settled in full. However, they continue to harass me and have a collection on my credit report for this. PLEASE HELP.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (AZ)

CC CB/VICSCRT XXXX XX/XX/XXXX {$0.00} CCB/CHLDPLCE XXXX XX/XX/XXXX {$0.00} medical EMERALD AR XX/XX/XXXX {$1100.00} XXXX 'S XXXX XX/XX/XXXX {$56.00} HLTHCARE COL XX/XX/XXXX {$3500.00}
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One closed my account on XX/XX/ in adverse action during a Billing Error dispute which is prohibited pursuant to 12 CFR 1026.13 ( d ) ( 3 ). In their agreement it's stated in the event of dispute, claim, or controversy between you and us arising out of or relating to this Account, or the relationships resulting from this Account or any other dispute between you and us ( Claim ), either you or we may choose to resolve the Claim by binding arbitration. shall arise between me and Capital One, if it is not resolved we agreed to proceed to arbitration.

I filed a demand for arbitration and a email was sent from the XXXX XXXX XXXX on XX/XX/ with the Case Number : XXXX. Capital One did not pay their business filing fees on XX/XX/. XXXX gave them another opportunity to pay their filing fees for the second deadline of XX/XX/XXXX 
Capital One once again failed to pay their filing fees and the case was closed. Not only did they fail Regulation Z requirements, and Violate much of the Truth in Lending Billing Error laws, they also violated their own agreement. 

Capital One continued in deceptive tactics with lawless behavior. I can't believe the amount of Dishonor, Negligence, and Malice with evil intent to damage me.
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (KS)

On XX/XX/2021, I sent a letter to Fifth Third Bank regarding an account that showed up on my credit report requesting validation of ownership and proof of the application. Post 30 days and Fifth Third has not responded. This account was opened without my knowledge or consent. They have failed to comply with the request as required by FCRA.
Consumer complaint received 2021-06-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

This is old now should not be reporting on my file now stated should fall off. 
STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We reviewed the attached complaint and our file on this matter. This account was assigned to us for contingency collections in XXXX for XXXX XXXX received by the complainant. She sent us a cease and decist/dispute/validation request letter in XX/XX/XXXX, which we responded to promptly. From that point, she continues to file online CDVs, which we have responded to and will continue to respond to. Fidelity is under no obligation to send validation multiple times. It was only requested once, contrary to her complaint, and it was sent XXXX XXXX ). Online CDVs are not a request for validation, nor do they mandate such being sent. If XXXX XXXX would like to honor her responsibilities and pay her bill, she is welcome to contact our office and make arrangements. Otherwise, the matter will remain active in our office.
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (IL)

In XX/XX/2021 I received a welcoming/confirmation letter from Huntington Bank stating an Checking/Savings account was opened in my name on XX/XX/2021. Along with the letter was a debit card. I never opened an account ( s ) with Huntington Bank, nor did I consent or give authorization to anyone to do so.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

I requested this account and credit card to be closed on XX/XX/2022 after paying the final balance owed. I continued receiving billing statements from Comenity Bank for this credit card. Once again, I called and explained that this account should have been closed in XXXX of 2022 and the agent assured me that the account was closed. I did a dispute on my credit report to have this account removed because it is still reporting as open and that I am in default with payments. The account remains on my credit report.
Consumer complaint received 2021-06-19
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: EQUIFAX, INC. (SC)

I've been sending letters to Equifax since XXXX of 2020 asking them to investigate accounts I feel are reporting inaccurately on my account. I have yet to receive a response for a couple of accounts. XXXX is still reporting inaccurately with no update, notation or anything letting me know an investigation was completed. Also, I have an account with no creditor on my report. How can I verify or even know if an account is mine if there is no creditor listed?
Consumer complaint received 2021-06-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XX/XX/2021, I found out my father took out a loan in my name. I began receiving notifications through my credit reporting agency that my score had been affected because of this. I reached out to the original creditor ( XXXX XXXX for XXXX XXXX ), and the collection agency they referred the debt to, Portfolio Recovery. I explained this was not my debt. My father had even admitted to the debt being his, had called Portfolio Recovery directly, and signed sworn statements verifying this debt. The account was not mine, has never been mine, I do not even own a vehicle in order to take out a loan like this. Both agencies refuse to remove my name from the account. Additionally, Portfolio Recovery has been calling me nonstop even after they have been told to only correspond with me via email or snail mail. I have made this request to them in writing several times, yet they continue to call me everyday.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I've been requested Capital One 360 provides the following information since the user agreement is spread around and we can not find the relevant information. 

If we do have disagreements, where we should go to solve the issues? Currently I can see the user agreement from the website indicates arbitration or courts, but I don't see the checking account dispute resolution. Please advice and send me the user agreement with related terms.
Consumer complaint received 2023-02-28
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. (FL)

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 XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX
Consumer complaint received 2021-06-20
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)

I sent dispute letters to Experian for several companies and also included requests to dispute invalid addresses as well as inquiries that were not permissable by me. Experian did not update or clear up any inaccuracies. I sent proof that I reached out to the creditors for debt verification via certified letter and received no response within the 30 day time frame and Experian still refused to correct my credit report. The law states that any unverified debt can not be legally reported to the credit bureaus, therefore these creditors that have not responded to my requests for validation in a timely manner, or at all, should be removed from my report.
Consumer complaint received 2021-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (CO)

Noticed this on my credit report and descreased my score substantially. I dont have an account with AFNI. 

XX/XX/2021 Major Derogatory AFNI, INC.

It looks like your account with AFNI, INC. received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

XX/XX/2022 I was notified at XXXX of a {$500.00} charge with XXXX. I immediately reached out to chime to report unauthorized transaction. within three minutes following charge at XXXX I had phone contact with a chime representee. During this phone call at XXXX a second unauthorized charge of {$750.00} by XXXX  XXXX XXXX Chime phone call lasted 41mins and during this time chime stated they could not do anything while a transaction was pending however they could file a dispute once transaction had been completed. Chime also assured me that they where contacting merchant on my behalf at this time. My debt card was cancelled and I transfer the majority of my funds into another account. On XX/XX/2022 at XXXX I contacted XXXX  XXXX XXXX and was informed they had not been notified of unauthorized transaction and had no contact with chime bank. XXXX was also unable to to provide information. XX/XX/2022 at XXXX I filed chime dispute claim. Chime stated they would file both charges under one dispute claim and asked me to provided receipts of transactions. I continued to inform them I did not have receipts of charges I did not make. The only receipt I could provide was of a transaction made at XXXX show that I was instore and verify my location. 6 hours later at XXXX chime emailed to inform me of denied dispute. I then requested a copy of there supporting documents. Chime provide document. This document lists subjective, false and irrelevant statements without substantiating pertain information. This document also wrongly refers to me as a male.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I got an email stating that I will receive my security deposit back and my credit limit has been raised from Discover on XX/XX/2021. That I should receive a check within 5-7 buisness days. I call each month and while the staff is friendly and seems helpfully on the surface, I get different answers and responses. My last conversation ended with a supervisor giving me his word that he will follow up on the XXXX of XXXX due to the policies to see if I still haven't received the 3rd check they have told me they have sent out. He will call to expedite the 4th check. Well. It is the XXXX of XXXX and I haven't received a call nor will I expect to receive one. They keep trying the avoid accountability by said the United States Postal Service isn't making due with the delivery. That it possibly got lost in transit. While I under stand that is a possibility, the odds after 3 checks is highly unlikely and a miscommunication on the address is not possible as they ask to confirm my mailing address everytime.
Consumer complaint received 2022-09-12
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. (TX)

they reporting XXXX XXXX, i informed them if they can put in remarks sec that this bank took longer then the require time to correct the chg as they are require to.
Consumer complaint received 2021-06-20
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. (DE)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX XXXX XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My credit score dropped 114 points for no reason an Equifax can't tell me the reason, I have not use my social security over a year now and 144 point just vanished. there also reporting false information