davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (TX)

Effected b

y XXXX XXXX. Contracted XXXX XXXX in XX/XX/XXXX, was effected until XX/XX/XXXX. It's still an ongoing battle struggling with my XXXX health which took a hit as a result of hardships created by XXXX XXXX. After loosing my job in XXXX because I caught XXXX  and it wasn't really a thing yet that employers understood or recognized then. I became suicidal and have been under the care of doctors since that time. I have no memory of opening this account or making payments towards it. I have asked for verification from discover that I opened the account. They have sent me zero evidence that I opened the account. Their only response was that it was an online application, but sent me zero verification that I opened it. If they could prove to me that I opened it, that I spent money on that card, and that this wasn't the result of identity theft I would gladly make arrangements to pay it, and ask that they respect the cares act, and remove all late payments .... BUT first I need verification from discover that I actually opened the debt. During this same time frame there was another credit card that was opened and investigated that was the result of identity theft. I am a verified victim of identity theft, and would appreciate the added assistance I need to verify the debt is legitimate from discover. I do not feel that this is too much to ask. Especially for one effected by XXXX  and identity theft all at the same time. Thank you in advance for the help you gave me during these extremely troubling times.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a Capital One credit card for about 4-5 years and have other credit cards as well. In the past 3 years, I have other credit cards, such as XXXX, XXXX, XXXX and XXXX XXXX and in those past years, I have been getting credit limit increases all the time without a problem since I have excellent credit. As being a Capital One customer for about 13 years, I would feel that they would give it to me with no problem. That is not the case. I have been declined 11 times in the past 3 years for every reason possible, to ; not enough experience with current credit line, which I had for over 3 years already, not enough payment to the account, which I pay way above the minimum payment and too many obligations, which I do, but my debt to income ratio is very low and I feel disgusted that they throw any excuse not to raise my credit limit. I have called multiple times about this and Capital One response is that they can't do anything, it's too bad. Now, I feel this is discrimination, in that they just don't care about me and ignoring the facts that I have excellent credit, excellent payment history and enough experience and they throw every excuse at me and now I feel this is discrimination. If this is not resolved, I will close all my checking, savings and all my other accounts with them since they do not value me as a good customer.
Consumer complaint received 2021-06-15
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. (NJ)

On XX/XX/XXXX, XXXX issued a credit card to a thief in Florida. I live in NJ, never live in FL. After I called XXXX, I faxed a file and sent 2 mails to dispute it. the documents included NJ driver license, home equity loan bill with NJ property address, and my NJ utility bill to prove that I never live in FL. XXXX did not have any response. I hired a lawyer to send similar document to XXXX  & Equifax in XX/XX/XXXX and XX/XX/XXXX. These 2 companies completed investigation without any change. Equifax even did not remove all of FL addresses generated by thief. Even credit unions ' report along shows 3 evidences that XXXX and the 2 report companies did poor job.

1. Credit report shows 2 reports from XXXX for the same fraud account. One report shows every payment is OK. The other one shows 4 late payments. Two reports show opposite results.

2. The account had more than {$3000.00} balance in XX/XX/XXXX. I don't think that the thief would pay the balance. The balance is XXXX since XX/XX/XXXX. XXXX was cheating on this balance. 
3. XXXX 's report made credit union companies believe that I paid off the balance, so that the fraud account belongs to me.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Between, Experian, XXXX  and Experian is a violation act of the XXXX Reporting inaccurate date last active or last payment are not the same in each credit bureau
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NJ)

I have tried to dispute this issue for a while now. I have called the XXXX XXXX, written emails with no avail. I NEVER received any bill for this matter at all. NOT ONE. They never called, I never got any mail, and they never sent anything to me that had to be signed ( certified ) to make sure I got it, nothing. I had disputed this on one of the credit bureaus and it has been removed. This is hurting my credit score for something I was not aware of and never received. When i saw it on my report I tried to contact them directly, all I got was a transfer all around the hospital. I dont believe this is fair to put on somebodys credit report immediately without trying to reach me another way if they saw the bill was not being paid.
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc. (NJ)

I received a letter in late XX/XX/2021 from Remex Inc for a XXXX dollar copay that I apparently did not pay for XXXX XXXX in NJ. No clue how it ever got to this point. Never received a letter. Would have just paid it immediately had I known about it. Neither here nor there though. 

I immediately paid Remex with my XXXX  Credit Card to avoid this from showing up on my credit report as I am in the middle of closing on a house. I can't imagine a XXXX dollar mortgage deal being ruined because of a XXXX dollar copay ... 

I was recently checking my XXXX  Credit Card transactions and noticed there was an additional XXXX dollar fee for " Cash Advance. '' Basically, the way Remex charged me wasn't a regular credit card transaction. It was some sort of weird cash advance. I called Visa and they removed that fee for me. I asked Visa why this went through as a Cash Advance and they told me it's because Remex Inc charged me using some sort of cryptocurrency. 

The whole Remex operation seems really shady. I called Remex and asked them why they charged me as a cash advance and they couldn't give me any sort of explanation. They're just rude and unhelpful.
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (SC)

I ordered a copy of my most recent credit report and discovered that there is a collection account on my credit agency report that I do not recognize, I have never had an account with them, and I have not received any communication from them in reference to this supposed account. Upon further investigation on my own this collection agency is not licensed or registered in South Carolina to collect debts.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are two accounts on my credit report I have not opened these or used these accounts they are not mine this si identity theft!!!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9100.00} OpenedXX/XX/XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

I noticed my FICO score had dropped by over XXXX points in late XXXX. I obtained a credit report and noticed an account placed for collection that was not my account and had that I had never seen before. I filed a complaint online with all three credit reporting agencies in XXXX with no action taken by the bureaus. I have discovered that this is a common practice ( not a very thorough investigation ). On XX/XX/XXXX I sent a certified letter to the collection agency requesting that they remove the erroneous filing. I have not received any response. The name of the firm is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA  XXXX. The charge is for {$250.00} from XXXX XXXX. I have never heard of these companies nor have I ever had any transactions with them. My credit is spotless and this is a complete injustice. Also, disturbing is how a {$250.00} charge can reduce your FICO score by XXXX plus points. This system is broken! Please help.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are two accounts on my credit report I have not opened these or used these accounts they are not mine this si identity theft!!!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9100.00} Opened XX/XX/XXXX XXXX
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 — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I filed a complaint with this company on XX/XX/2021 and received a response back on XXXX XXXX. The response was from the company Senior Staff Attorney " XXXX XXXX. '' Mr. XXXX responded in the bottom portion of the letter " At this time, we have nothing to suggest that this account does not belong to you. Should you have any documentation that would be helpful to our investigation, we would be happy to review it and investigate further. That being said, we have made a business decision to close your account and you are no longer responsible for the remaining balance. The company then goes back and contradict everything they wrote in black and white and put this account back on my credit report on XX/XX/2021. A month later.
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 — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION (GA)

Sheffield Financial a subsidiary of Suntrust Bank is reporting an inaccurate account on my XXXX credit report. They are reporting and verifying an account as a charge-off that was included in a bankruptcy proceeding. This is against federal rules and regulations. It is inaccurate and must be removed per the FCRA. 

I spoke to the bankruptcy department a week ago about this issue and they did not return my call.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

i am a victim of identity theft and i have sent in to TransUnion multiple times different supporting documents to support my claim on this alleged account that does not belong to me. transunion is refusing to delete this fraudulent account off my transunion credit report, they have once deleted the account then almost a year later this fraudulent account came back on my report.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquries.
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (TX)

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. 

ABILITY RECOVERY SERVICES , LLC I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to anyone with the intent to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I had a water filtration system installed in my home in XXXX. The company financed it through XXXX XXXX, XXXX. and did not furnish me with the terms and conditions of such financing to include filming a lien against my property. When I sold the property, I was made aware of the lien. I believed the lien to be satisfied at the time of the purchase when my property sold in XXXX of XXXX, only to receive a letter later in XXXX stating that the account was going to collections unless I took immediate action. I called and set up a payment plan to get current, paying {$570.00} in XXXX and XXXX of XXXX, then a payment of {$230.00} in XXXX to be caught up and resume my normal monthly payments of {$130.00} thereafter. The company reported to all three credit bureaus that the account was now in collections and remained in collections until I paid it in full XX/XX/XXXX. I contacted the company, XXXX XXXX, to get this matter fixed to no avail. I disputed it with the credit bureaus and their investigations sided with the company.
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland credit management sent me letters of alleged debt through their lawyers XX/XX/XXXX. I disputed the debt and it was erased from my credit report. I also ask for fraud alert to be placed on my account with the three major credit bureaus. XX/XX/XXXX I had a summons taped to my door by a process server, Midland credit pursuing me for the same debt that is not mine and was deleted from my credit report. I responded to summons that is currently litigating it in court. XX/XX/XXXX I obtain my credit report from XXXX, XXXX  and XXXX. On XXXX  and XXXX  Midland credit had been reporting the debt and reporting different amounts than they are currently suing me for and the account numbers are different than account numbers that I'm also currently being sued for. All of the bank statements had numerous different addresses which I never reside and I constantly dispute through this whole case that this is not my debt, I do not owe it and that I am not the owner of the debt. Also, midland credit did not put in comment section of report that I disputed the debt until I serve them with a motion to dismiss XX/XX/XXXX and one of the bases was that they reported false and inaccurate information to the credit bureaus. XX/XX/XXXX I get an alert from XXXX  that my credit report has been updated. Midland collection agency finally updated to show that I disputed the debt but had not reported for at least 2 years. Midland credit not reporting that obviously has had an effect on my credit score and report profile. My credit score went up 25 points just from them adding that comment alone.
Consumer complaint received 2017-03-19
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/2016, I was on vacation in Florida with my family. We were pressed beyond measure by XXXX to buy a timeshare. We yielded to the pressure and signed a contract of purchase. However, when we got home, we realized that we made a poor choice which we ca n't afford. We call back to XXXX to cancel it and was informed on XX/XX/2016 that they can not cancel it until we retain a lawyer. I immediately got a lawyer who has written who has written them 2 letters ( one dated XX/XX/2016 and the other dated XX/XX/2016 ). They replied on XX/XX/2016 with the readiness to void the contract. However, Comenity Bank used by XXXX went ahead to place a record on my credit report that has affected my credit markedly and has deprived me of the ability to get a loan for business.
Consumer complaint received 2021-06-05
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: Williams, Rush & Associates, LLC (TX)

Disputed a debt collection on my credit report regarding an account I have never opened nor have any knowledge of. I have requested written verification or any type of verification and have not received any response. When disputed, after a brief investigation, they simply responded that the debt was mine. As this is clearly not my debt coupled with the refusal to provide any documentation I demand this be removed from my report immediately.
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (DC)

XX/XX/2021, I attempted to open credit card with PNC Branch ( XXXX XXXX ) having a personal checking, business checking and mortgage account opened on various dates. 

I was unable to open the card as it was declined on an income - debt ratio and credit score. In XX/XX/2021, I was approved for two other loans from XXXX  a DC lender and a XXXX XXXX XXXX draw loan on the business account XXXX with this checking account. 

Note : I was also informed that I had a low score which has not had an impact during the same time period XXXX - XX/XX/2021 : obtaining international/DC based clients, business rental lease, DC and a job with XXXX, XXXX. 

Based on the business checking account, I'd like to receive a competitive rate credit card for the business account without the harassment of a hard pull lowering the score when I am able to obtain the necessary assets and income which have satisfied federal requirements for loans.