davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (LA)

I received an email alert from my XXXX XXXX XXXX, to review my credit information. A company by the name of Credence Resource Management, had, unbeknown to me, entered a disputed XXXX XXXX XXXXy bill into my credit reports, as a NEW ACCOUNT, and has repeatedly sent new open dates, four ( 4 ) times, since XX/XX/XXXX. The open dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, thus far. These entries are listed as major discrepancies on my credit files. I have not conducted any business with this company nor received any correspondence from them. I had no prior knowledge of this collection filing. I mailed them a letter on XX/XX/XXXX, requesting verification of debt from original creditor, date original account was opened and closed, account summary, and copies of any correspondence they allegedly mailed to me regarding this debt. A letter was sent to Credence Resource Management, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, but was returned as undeliverable. A copy was sent to Credence Resource ManagemenXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX. I have not received any anything from them as of yet. This is a devastating negative impact to my credit rating and has caused me great XXXX and XXXX XXXX
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (MS)

Global Lending Services ( GLS ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which GLS is reporting as a Foreclosure to XXXX and XXXX. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to XXXX. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. GLS has also reported to XXXX a date of last activity of XX/XX/XXXX while XXXX shows XX/XX/XXXX.
Consumer complaint received 2017-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIDELITY CAPITAL HOLDINGS, INC (GA)

I filed bankruptcy XXXX of 2016 this debt was included in my bankruptcy and I have called and called only to be told that they have received my paperwork and to give them 8 weeks to resolve the issue and here we are over a year later and still has not been fixed!
Consumer complaint received 2016-04-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I had my ties severed with my local Santander Bank in XXXX recently in XX/XX/XXXX and had my checking account closed after an incident ( I have received checks of a fraudulent nature which was n't particularly my fault ) and I was given a warning to my bank.However, I 'm still forced to pay Santander 's Line of Credit Overdraft Protection Service which I find to be unfair if I 'm no longer tied to the ban and have to pay back {$3000.00} I felt like I got XXXX to pay off a massive bill and I kept getting harassing phone calls from Santander after missing a payment and being called 5 consecutive times. I shouldnt be forced to pay a bill and get attacked with interest rates I was deceived by my bank that I could cancel the service but then I was told Have to pay the full amount back and I 'm struggling to find employment to pay this off.
Consumer complaint received 2016-08-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC (LA)

I have XXXX medical bills on my credit report that I have spoken to a representative about that I should not be charged for and she said it should be removed within 30 days after I provided the needed documents such as copies of my insurance cards and the bills are still on my credit report.
Consumer complaint received 2015-09-17
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: C.Tech Collections, Inc. (NY)

the debt in question was incurred under the duress due to XXXX 's billing tacticts. I was covered under insurance and prohealth was made aware of the coverage but they informed that they did no participat with my insurance company less than XXXX hours before the performance of my surgery.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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.

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 2021-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (MD)

Kabbage XXXX Monday - Friday XXXX XXXX. - XXXX XXXX. XXXX Saturday - Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kabbage employed unethical practices pertaining to consumer solicitation for opening a checking account. Representatives are steering consumers to obtain a business loan/ line of credit and ignore requests to actually open a checking account without also obtaining a loan from one of their affiliate lenders.
Consumer complaint received 2021-12-28
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. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2016-09-19
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

In XXXX 2011, I was involved in a car accident. The car was financed by Nissan Motor Acceptance. During that time, I never received any documents that the car was being sold for scrap. The car debt was sold to a collection agency. it is now with a new collection agency and the agency is threatening to sue. However, I have informed the agency that I did not receive any information from NMAC about the debt or car being sold. The agency has also refused payments. 
Recently, the debt was removed from my credit report and added back on multiple times. I have provided proof of this.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (NC)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I have never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2021-12-28
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. (MS)

XXXX XXXX XXXX ( XXXX ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which XXXX is reporting as a Foreclosure to XXXX and Equifax. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to XXXX. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. XXXX has also reported to Equifax a date of last activity of XX/XX/XXXX while XXXX shows XX/XX/XXXX.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX ( XXXX ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which XXXX is reporting as a Foreclosure to Transunion and XXXX. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to XXXX. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. XXXX has also reported to XXXX a date of last activity of XX/XX/XXXX while Transunion shows XX/XX/XXXX.
Consumer complaint received 2021-12-28
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. (UT)

XXXX is reporting XXXX collection accounts. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached. 

XXXX is reporting XXXX accounts as 60 days late. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached.
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

To whom it may concern, You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 


What is your authorization of law for your collection of information? 


What is your authorization of law for you collection of this alleged debt? 


Please send evidence your authorization to do business or operate in the state of Texas Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There were accounts in my credit reports that were not mine or were opened due to credit fraud. I disputed with Credit bureaus, XXXX, XXXX, and Transunion and they were corrected. However, without notifying me XXXX XXXX  XXXX fraudulent accounts were added back to my credit report. I provided the identity theft report and police report already. Both XXXX XXXX  XXXX accounts do not even show account numbers and balances are different from all three credit bureaus. I was not notified that XXXX XXXX  XXXX accounts were going to be placed back on my credit report and because of it, I lost an opportunity for a job. 

I searched online and this is a violation. I was not notified prior or provided a reason or explanation. 

Please remove again XXXX XXXX  XXXX XXXX accounts ASAP. I spend a lot of money and time on disputes already, I do not want to spend more time to get it removed/corrected and then you add back the fraudulent account again.
Consumer complaint received 2019-08-07
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: EQUIFAX, INC. (GA)

The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX, XXXX, XXXX and XXXX XXXX
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

This is in response to Citibank 's response to Complaint XXXX filed on XX/XX/XXXX regarding being charged for merchandise not received. Citibank 's response is attached as Exhibit IV and states that a permanent credit was issued regarding the original disputed amount. However, Citibank continues to report late payments for XX/XX/XXXX, XXXX/XXXX and XX/XX/XXXX to the credit bureaus and shows an unpaid balance of {$180.00}. The unpaid balance and " late payments '' consists solely of interest and monthly fee charges resulting from Citibank 's original refusal to issue the above referenced credit that was ultimately issued effective as of XX/XX/XXXX. Citibank issued a temporary credit when the dispute was originally brought to their attention. However, the temporary credit was charged back on XX/XX/XXXX and Citibank began charging interest and monthly fees, as detailed by Exhibit I and supported by statement copies at Exhibit II. During the pendency of the dispute, all current charges I made were paid during the grace period and, as shown on Exhibit II, I ceased using the credit card completely effective XX/XX/XXXX in light of Citibank ' s refusals to timely investigate and properly resolve the dispute. Citibank 's charging interest and monthly fees on a disputed charge ultimately credited has had the result of taking my credit score that exceeded 800 down to the 750 's. 
I have also enclosed Exhibit III which is a CFPB policy stating that interest will not be charged while a disputed charge is being investigated. Common sense would dictate that the same would apply to monthly fees resulting from the same disputed charge.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, NJ XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, & XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

FTC Report XX/XX/XXXX Prior report # XXXX Person believed responsible for the fraud ; XXXX XXXX of XXXX, Utah. 
Additional person believed to be responsible for applying for false credit cards, etc : XXXX XXXX XXXX of XXXX, CA or XXXX XXXX, CA Fraudulent Postal Mail Credit card applications and claims that I did not apply for or do using my name or a version of my name with my social security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX *Never applied for XXXX XXXX or XXXX claim from a XXXX XXXX  at my employer, paid cash for one office visit to a XXXX XXXX  and did not need anything further. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX *They keep sending me claim information. I have not opened it. It is denied. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX I never applied for the use of a XXXX through my employer ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for my payroll. I have had XXXX XXXX and can show proof of such from : XX/XX/XXXX to XX/XX/XXXX. 
Received : XX/XX/XXXX I am reporting this mailing as possible fraud or use of my name and personal employer information. 
MASTERCARD XXXX. XXXX XXXX, GA XXXX False application using a name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX 2 mailings *Did not apply for an application for a credit card through Mastercard . 
XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, SD XXXX I have never applied for a Mastercard through XXXX XXXX XXXX. Mailing is denied. 
CAPITAL ONE XXXX. XXXX XXXX, VA XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX *3 mailings-denied. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX *False application made using the name : XXXX XXXX XXXX at my address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX, OH XXXX *False application made using the name : XXXX XXXX at the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX I need these cleared off my personal credit report if needed or made note of as fraud in the event it is needed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX XXXX DELAWARE XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # 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 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 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I received a letter from Select Portfolio Servicing dated XX/XX/2022 stating that my mortgage is now being transferred to a new company called XXXX. I have an open and current dispute with Select Portfolio Servicing because they assumed my mortgage from XXXX XXXX and didn't transfer over the escrow analysis from XXXX XXXX. Instead of fixing my mistake which they were notified of on XX/XX/2022 they are now transferring my loan. 

I have at this point requested to have my escrow account removed because it wasn't setup correctly when the loan transferred and at this point I'm getting the run around instead of my issue corrected. I'm more than capable of paying my insurance and taxes and want to assume the responsibility as I can do it much better than the mortgage company can.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am to complaining about Bank of America 's response to my previous complaint XXXX. 
The company 's response is not accurate. They statement about body build type and hair XXXX match is weak and insufficient. What's the specifications? Do they even know how I look like? Have they sent the videos about the illegal withdraws along with my characteristics to CFPB? I would like to see them myself. I firmly say that they company 's response is fraudulent along with those withdraws. 

I had called XXXX XXXX numerous times and left numerous messages. The company has NEVER returned none of those calls or followed up with me. I will be glad to send a detail statement from my mobile company provider to prove all my efforts. I was robbed! Bank of America does not only lacks on service security, client protection, but are also inefficient to resolve clients ' issues. The first reported illegal withdrawal was in XXXX, over 10 months ago. After months trying to solve the issue untunefully with the company, I filed a complaint wit CFPB on XX/XX/XXXX, and they had only responded almost 6 months after, today XX/XX/2020 with a weak statement that doesn't prove anything.
Consumer complaint received 2019-08-07
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. (TX)

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX