davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Pinnacle Credit Services, LLC (IN)

Pinnacle Financial Services purchased zombie debt for an old collections account and reported it on my credit report with an incorrect date so it looks newer than what it is. I sent a letter stating : XXXX XXXX, XXXXPinnacle Credit ServicesXXXX XXXX, MN XXXXXXXXRe : Alleged XXXX XXXX accountTo Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$980.00} debt. According to the information I have, the date of last activity by the original creditor was XX/XX/XXXX. The State of Limitations on this alleged debt, even should it be ours, is XXXX years in the state of Indiana. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 

Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 

Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. 

They are constantly contacting me after this letter, signed and certified that they received it. Also, I requested an investigation and it still was not removed from my credit reports.
Consumer complaint received 2018-09-17
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. (CA)

I have been victim of identity theft for my information. I never opened the card with XXXX and my credit report had indicated that I owed them money. I have tried to contact them to correct and XXXX denied me for the correction and said once I called in the ask about that which means I am be aware of debt and also debtor which they dont disclose information about my information. The information is never corrected.
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (MD)

Hello CFPB employee, On XXXX XXXX, 2015 I sent a request for validation to Pinnacle Credit Services LLC regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to Pinnacle Credit Services LLC. 
XXXX XXXX, 2015 I sent a XXXX request for validation and again time went on and still nothing received to me from Pinnacle Credit Service. Pinnacle Credit Service has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for Pinnacle Credit Service to follow the laws they 're governed by. I 'm requesting that Pinnacle remove the collection debt ( Pinnacle Credit Service, Account # XXXX ) Balance {$570.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with Pinnacle has been made. 


Thank you CFPB In advance XXXX
Consumer complaint received 2019-11-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (AZ)

Over the past month, I have received repeated phone calls, multiple times a day, from diversity consultants, stating they are calling on behalf of XXXX.when asked regarding the nature of their call, they refused to give me an answer, and continue to ask me for personal identifying information. they then hang up on me when I continue to inquire to the nature of their communications. I then get calls back from them multiple times a day, while I am at work, and on the device I use for work. I have not received any written communication from them or comcast regarding any dispute, and feel that their level of communication has risen to the degree of harassment.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL ()

In XX/XX/2021, or XX/XX/2021 I closed this account. Did not want it or even need this. Nothing was bought with this account and not used by us. We keep getting calls after we cancelled this card and still receive calls!! Today we got a statement in the mail that says we owe XXXX.for what!!! There are no purchases and card not used and destroyed long ago. Please cancel this darn thing for good as it was to be done in XX/XX/2021. We used nothing and have nothing to do with this card what do ever. Thank you
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (SD)

I had finally been talked into applying for a credit card while shopping at Victoria Secret. I completed the process and was issued a card. After paying off my card 2 months in a row I received a letter from Comenity Bank claiming potential security concerns. They asked that I supply them with a government issued ID and proof of residency. I selected options from the list and promptly supplied my drivers license and current utility bill. I then received a letter stating that my account had been permanently closed due to security concerns. I called the Account Protection Team and asked why my account had been closed. They stated that my documents werent accepted, even though I provided them with exactly what they requested. I asked to know why and I was told that they cant tell me. I asked to speak to someone who could tell me and was told that no one can tell me this information. Where did my very personal information go and why am I not allowed to know what has happened to my account?
Consumer complaint received 2021-11-13
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: Experian Information Solutions Inc. (CA)

Experian has an incorrect email associated with my credit file and membership information. I wrote Experian and mailed a letter XX/XX/21 providing a copy of my identification, Social Security Card, and XXXX utility bill to confirm my identity and update my information. I can not access my Experian account on their website and they continue to retain an old email that is on the dark web and has been used in attempts to steal my identity. I attempted to contact them when an inquiry into my credit file was reported by XXXX and noticed that Experian has a second email that does not belong. My email address is XXXX, when I provide it I do not receive a link to reset/update User ID and password. They have a similar email but it does not belong to me, this is an issue that I have not been able to resolve with Experian after several attempts on their automated call service with a wait of up to 30+ minutes.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2019-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

In XX/XX/2019 my Mortgage loan was sold to Loan care. 

Loan care has tried to force change the terms of my loan since acquiring this loan, including : -charging fees to make a payment via phone or internet, where I had no charge options under my previous terms from my original loan -Indicating I have a prepayment penalty on billing correspondence, which is a change of terms from my original loan -Loan care is asserting I must and harassing me to pay my property taxes with my payment, which is a change of terms from my original loan -On XX/XX/2019 Loan Care paid my property taxes without my consent. 
-I called to object as this is unwanted and it was put aside -Loan care has again tried to change the terms of my loan to force me to pay my taxes with the payment and is currently holding my, on time, XX/XX/2019 payment and playing games again. 
-The last days I received calls from an unrecognized number and they finally left a voice message, it was Loan care asking me to call. I did and can get not satisfaction within the company. These unlawful actions by Loan care are causing anguish, interfering with my life and taking my time. 
I ask Loan care to abide by the law and stop attempting to change the terms of my loan.
Consumer complaint received 2023-06-22
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. (TX)

My information was released to the public in the XXXX data breach years ago which caused someone to open up a lot of unauthorized accounts. I submitted all of my proper paperwork to the credit bureaus a year ago but the willfully ignored my disputes and continued to report and furnish these fraudulent accounts on my credit report. i need these removed immediatly becuase they are ruining my reputation with the banking system
Consumer complaint received 2018-09-17
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 submitted numerous disputes with XXXX, Equifax, and XXXX about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my Chase Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I contacted each credit reporting bureau.XXXX, Experian and XXXX XXXX requesting information and documentation of their procedures for validation and verification of information on my credit reports.i requested information under the FAIR CREDIT REPORTING ACT and FAIR DEBT COlLECTION PRACTICES ACT to investigate information and supply me with their method of verification and validation to include a copy of their procedures, name, address and phone number of each person contacted to verify the information and copies of ALL documents in my credit file to support this information such as the contact with my signature, receipts with my signature and all three have failed to provide me with this information.I have sent request for this information 3 times to each credit reporting bureau and still have not received the information or any deletion and was replied with a message that they have already investigated the information and verified it and will not re investigate it. 
I need the requested information to verify the information collected is valid, correctly reported and accurate as I plan legal action and need the information for my legal case.could you please have them provide me with the requested documents or have them delete these accounts as they have no proof of my obligation to pay or that the reported information is correct and accurate. 
Thanks in advance for any assistance. 
Sincerely, XXXX XXXX D.O.B XX/XX/1964 SS # XXXX
Consumer complaint received 2021-11-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I contacted each credit reporting bureau.Equifax, XXXX and XXXX XXXX requesting information and documentation of their procedures for validation and verification of information on my credit reports.i requested information under the FAIR CREDIT REPORTING ACT and FAIR DEBT COlLECTION PRACTICES ACT to investigate information and supply me with their method of verification and validation to include a copy of their procedures, name, address and phone number of each person contacted to verify the information and copies of ALL documents in my credit file to support this information such as the contact with my signature, receipts with my signature and all three have failed to provide me with this information.I have sent request for this information 3 times to each credit reporting bureau and still have not received the information or any deletion and was replied with a message that they have already investigated the information and verified it and will not re investigate it. 
I need the requested information to verify the information collected is valid, correctly reported and accurate as I plan legal action and need the information for my legal case.could you please have them provide me with the requested documents or have them delete these accounts as they have no proof of my obligation to pay or that the reported information is correct and accurate. 
Thanks in advance for any assistance. 
Sincerely, XXXX XXXX D.O.B XX/XX/1964 SS # XXXX
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX/XXXX  XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$790.00} as of XX/XX/XXXX. I disputed this in mid-XX/XX/XXXX. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XX/XX/XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached #
Consumer complaint received 2022-12-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2021-11-13
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)

I reached out to the is credit reporting company numerous of times regarding an account on my report. The company continued to send me templates and did not resolve my issue.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

my phone was cloned. transactions were made through the XXXX. i contacted the bank once the transactions were pending, the bank did not shut off my online banking and more transactions were made. i made a fraud claim that was denied, them stating that i needed supporting documentation. i went to XXXX they gave me all the information they had and i opened a new claim. wells fargo stated the information was not suffient to approve my claim. i asked what information they needed and they couldn't provide a response. I will attempt to reopen the claim but wells fargo has been unresponsive and the representatives via phone have provided me with no further action.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (VA)

My Paypal account has been hacked and I reported the loss to Paypal as there were over ten transactions which were of a fraudulent nature. This fraud occurred in XX/XX/year> and all of the transactions were returned to my bank account. For some unknown reason Paypal has limited my account and I can't transfer money or use their service because I was the victim of fraud. I contacted the company over 10 times via phone calls and instant messages. I would like my privileges restored.
Consumer complaint received 2022-05-18
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. (TX)

FCRA violations : payments never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-13
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: EQUIFAX, INC. (AZ)

I reached out to the is credit reporting company numerous of times regarding an account on my report. The company continued to send me templates and did not resolve my issue.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DriveTime (OH)

XXXX XXXX/Drivetime is reporting inaccurate information on my credit report making it look like the account is in negative standing. However, this account was paid in full, partially by my insurance company and the remaining balance with the GAP insurance that was included when I purchased the vehicle. This vehicle was totaled in XX/XX/2021, payments were made up until that point on the vehicle on time and then insurance took over. However, they're reporting that since it took so long for XXXX ( Gap insurance ) to issue them a check that I was delinquent. XXXX is a partner company with XXXX XXXX/Drivetime, so I am not responsible for issuing the checks. Since they're a partner company, they should have maintained contact with them and got their check in an efficient manner.