davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC (FL)

THIS IS IDENTITY THEFT I AM NOT LIABLE FOR ANY OF THE DISPUTED ITEMS ON MY CREDIT REPORT UNDER FAIR CREDIT ACTS AND REGULATIONS identity was stolen and I noticed this when I went to pulled my credit report in XXXXXXXX XXXX XXXX XXXX XXXX There were several and I mean SEVERAL fraudulent accounts/Unauthorized accounts that were not opened by me on my credit report all of this has lowered my score into the derogatory range causing great financial burden and grief I am scared for my future. I have called these creditors several times over the past 4 months to No avail or assistance and even sent them the applicable identity theft reports and evidence in regards to my identity being stolen and used fraudulently only 3 companys adhered to my order the following accounts that I am requesting to be looked into and REMOVED IMMEDIATELY FROM MY CREDIT REPORT ARE FOLLOWING : Applied bank, XXXX Opploans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are all the fraudulent accounts on my credit report this is IDENTITY THEFT and under NO LAW AM I PAYING OR LIABLE FOR THESE DEBITS.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (NJ)

Received letter for a civil service suit about a loan that I assumed was AUTOMATICALLY being paid. There is 2 accounts with this company and they stopped taking funds for one of them but faithful for retrieving funds on the other. Never received notifications or anything from them about the situation, just checked yesterday when I went online that they sold my information to a 3rd party company who now have my personal information and apparently want to sue me for a whole other amount.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

In XXXX of XXXX Hyundai bought back my car. In mid-late XX/XX/XXXX, I received 1 letter stating treat I had a balance left on my car due to leasing contract and the amount the car was sold for. On XXXX XXXX within a week of reviving the letter and after discussing with Hyundai why I was being build in the first place, I paid the bill. I have a paid in full letter backdated from there. In XXXX I was notified my credit was destroyed from a good to great credit score to poor. I investigated through lender tree and have applied for disputes. XXXX disputed and won removed derogatory remark, XX/XX/XXXX fought delinquent and won- they then put the derogatory mark back on my credit on XX/XX/XXXX, I disputed again and won and again fought on XX/XX/XXXX. Every month the same complaint gets out back on my card and damages my credit further even though I have spoke with Hyundai in video recorded conversations and they stated that the account was closed and paid in full since XX/XX/XXXX. I have a paid in full letter from Hyundai from my first investigation as well as my second. My credit is constantly changing and being affected by this company.
Consumer complaint received 2023-07-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc. (NY)

I originally signed up for a XXXX XXXX XXXX XXXXXXXX XXXX because I was going through a divorce and needed the money to catch up on some bills. They approved me for {$4000.00} in total. The plan gave me {$1500.00} initially as a loan. The other {$2500.00} goes into a savings account and you get reimbursed the {$2500.00} after you pay the total loan in full. I was making on-time payments to XXXX during the duration my loan was with them. They then sold my loan to SST out of nowhere and I was sent an email by XXXX in XX/XX/XXXX and they said nothing will change about the plan. They were a lot of changes though. I then started receiving emails from SST demanding I pay them for the remaining of my XXXX XXXX XXXXXXXX XXXX I was initially hesitant from the reviews of the company to pay them at first. I ended up making payments to them and my online account with them did not update or show my savings portion of the loan. This seem like a scam so I stopped making payments for a little bit because I was scared that it was a scam as I have read many reviews about SST. However, on XX/XX/XXXX I called SST and made my payment if full. I paid {$2900.00} as requested for my pay off amount to the customer service rep over the phone. The payment was completed. Now, they are supposed to return {$2500.00} to me after I paid it off because that would equal the {$4000.00} total I was supposed to be given. I have yet to receive the {$2500.00} and the customer service reps I spoke to said it's being investigated and someone would call me. I have yet to receive any phone calls and I am out {$2500.00} that is owed to me. In addition, they reported to the credit bureaus that my account was charged off and that I still owe them {$2900.00} which is inaccurate. However, my account is paid in full and I have all the proof, which I sent SST via email. Also, SST is affiliated with XXXX XXXX XXXX, who I made my final payment to per my bank statement.
Consumer complaint received 2022-12-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

According to the Federal law, I have a rights to an Fair and Accurate consumer credit report.You have failed to do so. Im demanding to know HOW DID YOU VALIDATE, VERIFY, this Debt by Federal law. Every month SOME companies are reporting newer accounts on my consumer report.

This is damaging to my FICO score continues artificially.

Show me physical contractual agreements with the reporting companies?

According : FCRA. FCDPA if not remove immediately.

Violation of Section 807 15 USC 1692e Violation of Section 805 15 USC 1692C ( b ) Violation of Section 809 15 USC 1692g You have not provided me with Any Original signed contract agreements in PLACE with me and these Companies, nor any type of written permission to communicate with me. Yet they are Reporting on my credit report, which isa form of communication.I have also file a complaint with Federal Trade Commission about this reporting abuse to my consumer report.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

Discover card is charging me for a returned payment they sent to me in check form. This check was unfortunately sent in concert with my bank deauthorizing the payment too, so it was an error. I communicated several times via phone with Discover immediately upon receiving the check, as well as after, including today prior to resorting to a complaint. I was told to not worry about the check and that it was null and void, so I destroyed it as instructed. I was told my account was on hold for review for up to 4-5 business days. Its been two or more weeks. I have been unable to view my account or get a current balance. I was told today that my balance is double what the activity warrants. I am sure the returned payment has been charged to my account despite multiple attempts to communicate this error to customer service. Instead, Discover sent me a verification request from XXXX  requesting personal tax information from the IRS. This feels like my debt is being held hostage as I am unable to access my account, Im given inaccurate balance, as well as being told my account is past due and accruing fees when Im not allowed to make payment unless I give IRS information. They have threatened to close my account if I do not comply with their request for IRS information. This is predatory and very disconcerting considering I have a long, healthy relationship with Discover until this. Please help!
Consumer complaint received 2022-01-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I ( XXXX XXXX XXXX was involved in a XXXX case along with my girlfriend ( XXXX XXXX ) and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. I notified XXXX about the bills and she said not to worry about them, she wanted me to take pictures of the bills and send them to her because she stated that she will handle it. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. I contacted XXXX about the collections, she has been little to no help what so ever. We both filed and submitted a dispute late XXXX with XXXX and Equifax with mixed results. XXXX removed the collections from my credit score account on XX/XX/XXXX however, Equifax has not when it is the same dispute. I filed a dispute XXXX times with Equifax and yet, results come back the same that it is accurate and that I am liable for the collections. I do not understand why XXXX removed the collections from my credit account within a week but not Equifax. I have screenshots of text messages with XXXX for supporting evidence to back up my complaint. Side note ; on XX/XX/XXXX, I spoke with XXXX XXXX XXXX himself and he said that he will be of assistance and write a letter stating that we are not at fault and shouldn't have been sent to collections. My XXXX XXXX is also having similar problems but she will submit her own complaint.
Consumer complaint received 2024-06-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (VA)

I received a catalog from SEVENTH AVENUE in XX/XX/year>. I needed a small computer with headphones so that I could listen to music in my apartment without disturbing the neighbors regardless of the time. I attempted to purchase one that was to be engraved. However I had to call C/S because I applied for the offered credit line and it was not automatically approved. I spoke to the XXXX representative who told me about the computer that they have a lot of issues with them. So I advised her to please cancel the order. She then wanted to know if I still wanted the credit line... I said sure ... She indicated that she or someone from SEVENTH AVENUE would call if I was approved for credit and before anything is shipped out to me. The next thing I know is that I have a package from them ... I called and asked who authorized this to be shipped ... I thought that I cancelled the order and was to receive a call first. Anyway, I wasn't going to pay to ship it back plus insurance ... No No No I think she asked me to use it and told me that it would not work for long..it would just suddenly stop charging but I would receive a full refund. So, I used it ... checking email mostly not too many things... so I email and call and I have to send the computer back... I asked them about the personal and business information on the computer ... how would that be handled ... they would be responsible for any problems or issues that resulted in theft or break ins to my accounts utilized on the computer during shipping and beyond if my information was not erased completely. Privacy Concerns. Finally they decided to apply a credit to the account original charge {$140.00} on XX/XX/year> ... credit was applied on XX/XX/year>... I received a phone call stating that the charge would be reapplied to my account because the computer was never received on XX/XX/year> charge was reapplied... I didn't authorize either charge. SEVENTH AVENUE knows about the problems with these computers... and just wants to SCAM potential buyers
Consumer complaint received 2020-08-03
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. (LA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXXXXXX XXXX XXXXXXXX {$740.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$700.00} XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$700.00XXXX XXXX XXXX XXXXXXXX {$250.00} XXXX XXXX   XXXX {$290.00} XXXX XXXX XXXX XXXXXXXX {$1100.00}
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (PA)

I was not aware of the outstanding collection and thus, I attempted to contact the company regarding my bills. Unfortunately, I did not receive any explanation from their end regarding the claim. Nonetheless, I have reached out to the company on multiple occasions to address this issue. 


CREDIT COLLECTION SERVICE Balance owed {$300.00} Balance updated XX/XX/2024 " I want the following collection to be removed from. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings (TX)

Speedy Cash, who sold a payday loan to Ad Astra, then XXXX XXXX XXXX, then back to Ad Astra, and XXXX again, is still showing an account balance and is reporting a debt for an account that is beyond XXXX years old.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (AZ)

TD Bank XXXX XXXX is inaccurately reporting my payment status, and worst payment status as included in Bankruptcy. The remarks state Bankruptcy XXXX XXXX, Bankruptcy completed/Closed by XXXX XXXX XXXX I have repeatedly been filing disputes with the credit bureaus and filed proof. XXXX is reporting they are unable to use my documentation, even though it is from XXXX XXXX XXXXXXXX, and lists the scheduled Creditors - proof XXXX was not involved. XXXX is requesting I pay out legal fees to get the XXXXXXXX XXXX XXXX to provide me with documentation Target was not included. The document I provided is legal proof. Additionally, I made a payment to XXXX XX/XX/XXXX ( out of my account ), how would that be possible if they were included in a bankruptcy. When in a XXXX XXXXXXXX payments come from the XXXX not consumer. The Bankruptcy was completed XX/XX/XXXX.
Consumer complaint received 2023-02-24
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. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute several negative items that appear on my credit report. After reviewing my report, I found several inaccuracies regarding the following accounts : XXXX XXXX XXXX : This account is listed as a late payment. However, I have never missed a payment on this account. I request that this error be corrected immediately. 

XXXX XXXX : This account is listed as a charge-off, but I have no knowledge of this account. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXXXXXX : This account is listed as a charge-off, but I have never had an account with XXXX  XXXX  XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX XXXX : This account is listed as a charge-off, but I have never had an account with XXXX  XXXX XXXX  XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXX XXXX. Furthermore, the original creditor is listed as " XXXX XXXX XXXX XXXX  XXXX XXXX, '' which I have never heard of. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX  XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXX XXXX  XXXX or the original creditor, XXXX XXXX XXXX. I request that you investigate this matter and provide me with more information on this account. 

I believe that these items have been mistakenly reported, and they are harming my credit score. I am requesting that you investigate these items and take appropriate actions to correct these errors. As per my rights under the Fair Credit Reporting Act, I expect that you will respond to this letter within 30 days of receipt. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/XXXX my XXXX XXXX issued by Barclays Bank account ending in XXXX ( I dont know what the full number was ) was stolen. I reported the card stolen the same day XXXX XXXX the representative for Barclays said they would issue me a new card. At this time the representative never asked if I was aware of any purchases that might be suspicious and I was unaware as all banking is done on line. I made a police report to the local police in XXXX XXXX Pa where the thief occurred. Not long after I received my online statement from Barclays Bank showing a charge of {$850.00} made at a XXXX in XXXX Pa and a charge of {$500.00} at a XXXX XXXX XXXX on XX/XX/XXXX the day of the theft. I called Barclays and was told by the representative that I didnt report the charges as fraud in a timely matter and they would have to investigate she also stated that I would receive a letter from Barclays regarding the investigation. I just received a letter from them XXXX XXXX and this was a pending investigation that had to go through two complete billing cycles from the date of suspicious activity was reported. In a prior phone call the representative suggested faxing the police report to their headquarters in XXXX Delaware however their numbers for Delaware route you to their overseas ( somewhere ) representative.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

all the credit bureaus reported XXXX XXXX which I never received or signed anything with. I never had a XXXX  phone either. This is illegal and want this removed. Im in the middle of buying a home and this popped up. They where really rude. They said we can do whatever we want because its the law. I said its not. Im really stressed can you help me. I never had a XXXX phone.
Consumer complaint received 2023-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

Hospital and car loan is reporting on my credit report without my permission and I have ask for them to remove but the done keep it on my credit report and its against the law to report any thing without my premision
Consumer complaint received 2023-03-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Grant & Weber (CA)

I was reached by XXXX XXXX XXXX agency who are located in XXXX XXXX, XXXX who is trying to collect debt from me. I did my due diligence and came to find out that according to XXXX consumer access this collection agency is not licensed to collect debt in XXXX  I am a very concerned consumer and want only true information. Please remove the item from my credit as you are in violation.
Consumer complaint received 2020-01-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Management Recovery Corp. (NMRC) (AL)

They have contacted me repeatedly to the point of changing my phone number three times now, have harassed both of my parents, and my fianc which I have screenshots of as well. Left multiple messages after I have contacted them. They have told my father because they contacted him that is considering me notified, I have been threatened at points which is what caused me changing my number, and completely mistreated. The first picture uploaded is from my mothers camera roll, the second my fiancs, and the third my fathers.
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (IL)

My mortgage is in foreclosure. Attorney has motioned for judgement on default. We have paid back all the payments we were behind. Over {$52000.00} the last two years. Gregory funding is asking for over {$22000.00} in back payments to re instate. No explanation as to why they are asking for so much. We completed everything they asked for in paying back our forbearance amount and was current through XX/XX/21. Their modification offer was for {$500.00} more a month than our original payment and we also have to pay our own homeowners insurance. Another {$180.00} per month. They will not work with us or explain why our reinstatement amount is so high