davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021 ( at XXXX XXXX ), I tried to deposit {$130.00} to my Capital One account. I used a XXXX XXXX XXXX ATM ( ATM # : XXXX at XXXX XXXX XXXX, XXXX TX XXXX ) since there was the option to deposit to my debit card. The ATM counted the money then gave me an error and printed out a receipt that stated " we encountered a problem returning your cash. Please contact your financial institution. '' I called Capital One that day ( XX/XX/XXXX ) and filed a claim. On Wednesday, XX/XX/XXXX I received an email stating that the claim was denied. I called Capital One for more information and was told that XXXX XXXX XXXX was not assisting in the investigation of this issue. I was then told to contact XXXX XXXX XXXX directly. I called XXXX XXXX XXXX and was told that it needed to be Capital One that contacted them to resolve this issue. I called Capital One back and was told that the claim would be escalated and I would hear back from them within 24 hours. I did not hear back from them and called Capital One on XX/XX/XXXX to find out the status of my claim. They again told me that there was nothing they could do and to contact XXXX XXXX XXXX. I spoke to XXXX the supervisor and she told me there was nothing they could do for this claim. I asked if there was a way I could be on the line with them and XXXX XXXX XXXX  to help resolve this. XXXX stated I could conference call XXXX XXXX XXXX while she was on the line. While on hold with XXXX XXXX XXXX, XXXX hung up the other line.
Consumer complaint received 2022-05-25
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. (FL)

XXXX XXXX XX/XX/1973 Last 4 SS # XXXX XXXX, XXXX, Equifax These ( 3 ) credit Breaus are reporting inaccurate information on my Credit Report I've disputed these accounts several times with no Removal off my Credit Report. 
1.XXXX ( Fraudulent ) 2.XXXX ( Fraudulent ) 3.XXXX  ( Fraudulent ) 4.XXXX  ( error paid ) 5XXXX XXXX  ( Fraudulent ) 6XXXX XXXX XXXX ( Fraudulent ) 7.XXXX  XXXX ( Fraudulent ) 8XXXXXXXX XXXX XXXX XXXX ( Fraudulent ) 9XXXX XXXX XXXX  ( Fraudulent ) 10XXXXXXXX XXXX XXXXXXXX ( Fraudulent ) 11XXXX XXXX XXXX Fraudulent ) 12.XXXX  ( Fraudulent ) 13.XXXX ( Fraudulent )
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northland Healthcare Alliance (NY)

as of XX/XX/2020 i owed resource recovery as they claim i have disputed it from day one they would not provide me with the documentation i requested, my debt as they claim on XX/XX/2020 was {$810.00}, which was a lot higher than what Resource Recorvery bought the debt for, i have paid {$1000.00} to date and they still have a wage garnishment on me for over {$1200.00} which they refuse to correct this with the courts, my employer has to take that amount out of me in till that amount has been satisficed, so that means i will be paying more than double illegal i believe, and still dispute the amount they claim i owe. i never received any paper work for me to go to court to answer there claim illegal again. they tell me to call them i will not call them they tell me the same lie every time or won't tell me anything at all, how can Resource Recovery LLC, XXXX XXXX XXXX, XXXX, ny XXXX, charge me more than double of a dispute debt legally, they purposely did not send a copy of the court paper work to me so i had no chance to dispute in front of a judge, seeing it was several i had lost my chance dispute this and have it vacated now they got a default judgment, in till after said court date illegal i do believe, all i want is a fair chance i do not owe this amount and can a collection agency charge me interest on a medical debt let alone charge me 150 % interest. Resource Recovery knowingly and illegally did not provide with proper paper work in a fair and timely legal manner.
Consumer complaint received 2020-03-13
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. (AZ)

XXXX XXXX XXXX debt and derogatory statements were added to my credit reports in early XXXX. I do not owe XXXX nor the XXXX XXXX   the money reported. It is the 80 % insurer 's copay that is on my credit report. I paid in full my 20 % copay to the XXXX XXXX  in XX/XX/XXXX and made them aware that my insurer had originally denied the claim but it was under appeal. I even provided the Plan Document sections to show that the procedure was covered. The XXXX XXXX  was in network and thus has a contract with my insurer and could have easily confirmed with the insurer that it was under appeal, but chose instead to send a collection agency after me for the insurer 's share. In XXXX, I even provided the XXXX XXXX  with documentation that the doctor ( who is part owner in the XXXX XXXX  ) had been paid and suggested they check with the doctor 's staff to see what they did differently to get paid by the insurer. I prevailed on my appeal and the XXXX XXXX  has been paid by the insurer and the insurer is sending a demand letter to the XXXX XXXX  to release me of all liabilities by them and their collection agency. 

I had promptly disputed that I owed more than I had already paid with the original provider AND the collection agency. I had requested the collection agency to provide evidence that I owed more than I already paid in XXXX ( {$450.00} ). They failed to do so, in violation of FDCPA and reported it to the Credit Bureaus in early XX/XX/XXXX. I disputed it with all three credit bureaus and all EXCEPT Experian promptly removed it from my credit report, since it was truly not my debt during the appeal process. I have now sent two additional letters to Experian since the original dispute was filed on XX/XX/XXXX. They have failed to remove the XXXX debt from my credit report. I have provided Experian evidence of my payment of my 20 % responsibility and the insurer 's payment for their 80 % responsibility ( which is the amount shown as my debt by XXXX even though it never was my debt ). 

I am also frustrated because I can not get a real person at any of the phone numbers for Experian ( I tried three different numbers ). I wanted to ask them what exactly I needed to provide to get it removed. Their failure to have a customer service line with real people rather than just recordings is clearly one of the factors that has contributed to them failing to remove this unverified debt in the 30 days as required by the Fair Credit Reporting Act ( and as was done by the other two credit bureaus ).
Consumer complaint received 2021-03-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (AZ)

I am a XXXX  veteran and have three types of medical coverage. ( Phoenix Financial Services ) claims that i owe XXXX XXXX XXXX XXXX bills which is not true! That collection agency sent me notice of bills owed so i asked to provide the exact copies of procedures and dates for the bills owed including statement and procedure dates. This will allow me to verify if this is a true billing error or if it is a false representation of a debt that is not owed. 
Phoenix Financial Services was unable to produce any details or provide any bills to validate. 
As result of that, I proceeded to send them a cease and desist notice on XX/XX/XXXX. Return receipt was requested and signed for by Phoenix financial Services ; they stopped contacting me until today via mail again ( XX/XX/XXXX ). 
I am 100 % covered by VA medical, XXXX XXXX XXXX and XXXX and have explained this to that collection agency several times yet they continue to send me harassing bills and impact my credit score. 
please assist in resolving this issue with them as these are malicious, deceptive debt practice of a debt that is not even owed by me, nor can they produce a record of.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I XXXX XXXX XXXX IS A VICTIM OF IDENTITY THEFT AND HAVE FRAUDULENT CREDIT CARDS, COLLECTIONS, HARD INQUIRIES PLEASE THESE ARE RUINED MY LIFE CANT GET CERTAIN JOBS OR OBTAIN CREDIT BECAUSE OF THIS FRAUDULENT AND SCAMMER WHO USING MY IDENTIFICATION EQUIFAX WILL NOT HELP ME XXXX XXXX XXXX Account Number : XXXX COLLECTION XXXX XXXX XXXX Reported : XXXX XXXX, XXXX HARD INQUIRIES XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOUTHSTATE CORPORATION (FL)

XX/XX/2022 yesterday I was told by XXXX that when I put money into the account I could get my debit card and when I put the money in my account they refused to give me a debit card and said I won't win if I took it to court basically threatening me and poor customer service this southstate bank is located at XXXX XXXX XXXX XXXX XXXX fl XXXX several representatives including XXXX and XXXX were involved and gave rude service and were a part of the false advertising scandal I was told before they could give me a debit card then they refused afterwards I got proof the money was put in then taken out
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Check Recovery Bureau, Inc. (NC)

CALL RECEIVED AT XXXX ON XX/XX/2022. IT WAS A CALL IN REGARDS TO SOMEONE THAT DOES NOT LIVE WITH US NOR IS RELATED TO XXXX. CALL FROM UNITED CHECK RECOVERY XXXX XXXX XXXX XXXX NY XXXX. THEY HAVE REPEATEDLY CALLED ON DAILY BASIS.
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (NJ)

I was looking forward to buying a new home when seeing my credit report and seeing a installment loan was made in my name that i had no knowledge of this is stopping me from moving forward with my life as a whole XXXX, Experian, XXXX  They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and refusing to uphold the law
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

I had opened BJ 's credit card on XX/XX/2021 with Comenity Capital Bank. The Bank approved the card, however, they reported XXXX credit score from XXXX to determine the interest rate. My credit score has never been below XXXX in the last 5 years, so it was a surprise. I subsequently checked with XXXX, and they reported a credit score of XXXX. I provided the credit score report from XXXX to Comenity Bank to check if they made an error. Per law, Comenity Capital Bank can only use the credit score reported by the approved agency. On XX/XX/2021, Comenity Bank reported that the credit score they used, XXXX, is accurate. I am unable to reconcile why XXXX  will provide one score to me and another to Comenity Bank. It seems Comenity Bank manipulated my credit score to charge a higher interest rate.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (DE)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

Hello, I am reaching out to report American Express for unfair practices and harassment over the past 4-5 months. It started on or around the XXXX XXXX XXXX XXXX XXXX when they blocked my credit cards for absolutely no reason as my account was in good standing and paid on time. When i reached out to them they requested from me to pay the balance on my business credit card but even on that account the minimum payment was met and even exceeded. When i told them what i just told you they said that they will unfreeze my cards but confronted me that i need to be paying my balance in full every month even though there was no such thing in the agreement and they gave me promotional APR on that account as well as {$40.00} carry over limit and i have spend {$160000.00} on that account and paid {$120000.00} that fiscal year. After clearing everything they unlocked my cards but my problems didn't stopper there. It was pretty much on a weekly base that i was receiving phone calls, threatening e-mails of freezing my accounts, got my accounts frozen again and i literally had to have same conversations every week for months. The last time i had to reassure them and share my financial plans was on the XXXX of this month. A few days later not happy with the fact that i am still taking advantage of the offer they gave me to carry over balance on my business account they went to retaliate against me and reduced the balance on my personal credit card by {$25000.00} for absolutely no good reason regardless of the fact that i reduced my balance on that card by {$3700.00} just this month. Now because of that i get this warnings when i log in and it makes look like my accounts are not in good standing even though i have never been late on payments and i am closing to the limit cuz they drastically reduced it. They have truly been harassing me for months and the only reason i can think of is my national origin. If i haven't had a XXXX  name i don't think i would've been in this position. They want me when i use my cards and pay them hundreds of thousands of dollars but if i happen to use any of the offers they give me they freak out and start harassing me. I am hoping that you're agency will investigate this thoroughly and look into their practices so they can stop harassing people. There's nothing worse then to constantly explain yourself when you have done nothing wrong. I have never been bullied like this in my entire life. This got into situation that is no longer tolerable and need 's to stop! As a proof that the forgoing is true i have attached the evidence i have available
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The car was totaled 2 years ago and my insurance paid for the car. They then tried to sell the debt to a collection company. I finally got the account closed and removed from my credit report and worked hard to build my credit back and they have now put it on bureaus again, without telling me anything. Now they are harassing me with collections threatening to hold this against me. The account shows the age but they make it look as if it is an open account and that I am just late paying, it is fraudulent and the account needs to be closed.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (TX)

I have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on XXXX occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them. 
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the 3 reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I received a notice the first week of XX/XX/2021 that I had applied for unemployement insurance ( which I had not ). Then on XX/XX/2021 I received a US Bank ReliaCard debit card. I am NOT unemployed and have NOT filed for an unemployment insurance claim. Someone is committing fraud in my name.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-13
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IN)

They refused to to help me and told me that I did live in XXXX  XXXX when I have never live there.I have tried to dispute this threw the credit Bearl to and they want except it
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

I've recently learned that I have been a victim of identity theft. Most of the information furnished on my consumer report results from fraud. I've attached a letter currently en route to Experian 's mailing address. I'm submitting this complaint because I do not know when they will receive my mail, and I want to correct the fraudulent consumer report and prevent further fraud immediately.