davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC (WA)

Atlantic Recovery Services have been attempting to contact me since XX/XX/XXXX. On XX/XX/2022 at XXXX XXXX  my local time ( an FDCPA violation in of itself ). After calling them back at a reasonable hour I told them to cease telephone communication and to use recorded, written correspondence if they had any need to contact me further and requested a debt validation letter at that time. Since then I have received multiple calls from them, using different phone numbers with area codes from my local area to try and trick me into answering the phone. I have since called and left messages, as well as used their online website to request they cease and desist telephone communication. Today I finally was able to speak to someone, and told them again to stop calling me. I was treated rudely, yelled at, hung up on, and transferred into XXXX several times before finally speaking to a supervisor who claimed the company had only received my request for cease and desist today, and that I had not requested a validation letter, and the address I had on file that they verified to send me the letter to was an address that I have never lived at ( despite them having recorded conversations with me telling them to mail me the letter and giving them the proper address ). At this point I do not believe the debt is actually mine, and that this company is either incompetent or maliciously attempting to illegally collect debt. It is only a matter of time before citizens who do not know their rights as well as I do are preyed upon and have debts that are not theirs illegally collected.
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-06-11
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

I paid {$750.00} to Ulta-Comenity in and around XXXX XX/XX/2022 and they LOST the payments. 
Had proof from my bank it was sent. 
One day I get 2 statements from Ulta and one has a {$750.00} XXXX XXXX XXXX is my current Ulta account. They credited my OLD acct ( which should hv been closed ) they can't FIND my old acct if I call. They settled it in XXXX but NOW I GOT ANOTHET TWO BILLING STATEMENTS and now they say I owe {$350.00} on my old account.. if I call? THEY CAN NOT FIND THE OLD ACCT. I get told to call, email... theyll fix it..its not fixed and I need you to step in.
Consumer complaint received 2022-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (MD)

I Purchased a new vehicle with SunTrust bank in XXXX of XXXX. Apparently Suntrust was incorporated into Truist Bank at some point but I was never notified of a pending change. I selected SunTrust as a lender based on their available services and online interface. 

I was never notified that my loan would be managed by a new bank or a new website would be required to login to. I strictly bank online, have never been to a branch, yet all my statements and tax/interest information is no longer available at the old website ( Suntrust no longer able to be accessed ) nor at the new website ( Truist ). 

Truist bank 's only answer is that the " SunTrust statements did not carry over '' and I have no proof of interest paid in Tax Year XXXX for my accounting.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-21
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. (VA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (AZ)

Persolve Legal Group LLP refuses to provide required documentation in dispute of an alleged debt they claim I owe. I have sent three certified dispute letters dated XX/XX/21, XX/XX/21, and XX/XX/21 to which XXXX XXXX " Compliance Officer '' fails to provide the requested information to validate this debt. The documents sent do not substantiate the debt, nor the information I requested, three times, and the excuse is that the documents that they received from their " assignor '' should substantiate the debt. The documents sent, to not provide the information I requested : name and addresses or creditors, when and who the alleged debt was obtained from and the amount at the time it was obtained, verification and documentation that there is a valid basis this alleged debt is owed to the stated creditor, billing statements, itemizations, statute of limitations, and their authority to collect. As a " Compliance Officer '' the obligation is to provide the requested information under FDCPA.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

Hello, Today, while I was in classroom during my Math class my phone was ringing but I couldnt answer because I didnt want to miss what the Professor was explaining. After my class at exactly XXXXXXXX XXXX Eastern time, I called the phone number back and it was PayPal Synchrony bank. They told me I have a miss payment for the month of XX/XX/2022 which is weird because I have an autopay set up. I told them I have an autopay set up but they told me the autopay was cancel which is weird because for the XXXX years and a few months Ive been with them, Ive always have an autopay. Now theyre trying to send a late payment report to all the credit bureaus which not only would ruin my good credit score but will hurt me. Im a XXXX year old college student, and Ive never missed any payment on any of my credit card. This is unfair. On XX/XX/XXXX, when the payment didnt go through, they didnt even bother to reach out to me. They waited for nearly XXXX weeks to reach out to me today.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

Called I.C. System to pinpoint what exactly was owed to XXXX XXXX because the account was paid off. XXXX XXXX received all their equipment and the account was cancelled on XX/XX/2018. I asked what the debt was for, I.C. Systems couldnt tell me what the debt was for. I also let them know we received no bills, so why would it go straight to a collection agency. Again no substantial answer. I thought perhaps there was fraud going on, so I called XX/XX/XXXX and the collections department assured me that we owed nothing and the account was closed. The young man said to go straight to the FTC and report it, it sounds bogus since I.C. System couldnt give any answers.
Consumer complaint received 2015-07-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (TX)

Halsted Financial Services keep calling my workplace to verify employment. I want a cease and desist letter for them to stop calling my workplace. I told them to stop calling my workplace but was told that they were going to stop. They even threaten me that they will sue employees at work if they do give them information. Their # is XXXX.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

While checking my most recent credit report, I noticed unauthorized credit inquiries made by the following companies : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under the No Surprise Act of 2022. 
I have asked this company to Validate this information to better help fix this in which they have failed to do so and simply " Updated '' on my report. I have not received any documentation showing my signature giving permission for any of these inquiries.
Consumer complaint received 2021-06-11
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 (TX)

BARCLAYS-XXXX CREDIT CARD AMOUNT : {XXXX} Charge Off In XX/XX/XXXX I got approved for this credit card. Everything was fine until I notice some fraudulent charges. I started disputing the charges around XX/XX/XXXX and they didn't remove the fraud charges. I decided to close the account and to continue making payments. I tried several times to fix this issue and no one helped me. I have been calling them since then and no one is able to help me. I would like to take care of this account because is affecting my credit and damaged my financial history. On XX/XX/XXXX I made several attempts to fix this issue and pay even the final amount. XXXX ; XXXX I spoke with operator XXXX " XXXX '' and he said they settled my account to XXXX and that's all I need to pay. I asked him when that happened. He said back in XX/XX/XXXX. I told him my credit report still showing a negative charge off the balance of XXXX} and he said that is impossible. I requested to speak with a manager. He transferred me to XXXX at XXXX XXXX. XXXX told me the same I asked her that I want to speak with an account manager. She transferred me to XXXX at XXXXXXXX XXXX XXXX told me he was an account manager and he said to contact XXXX XXXX XXXX at XXXX. I contacted XXXX XXXX XXXX and XXXX answer the phone. I told him I want to take care of my account and he was rude and hung up the phone. I call the XXXX XXXX XXXX  main number and a nice guy requested my social security number and he can not find any record under my name. 

I need help from your institution to resolve this matter. Their poor customer service and collections department is affecting my financial life a lot. I have intentions to resolve this matter but they don't want to work with me. I feel someone needs to put a stop inmediately. Please help me.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX, XXXX, and Experian are completely wrongly misrepresenting or recklessly claiming I should be punished with my most recent huge score losses based off of XXXX removing all my remaining student loan debt to XXXX abruptly looking as though I caused myself to be in debt again. Please correct my scores to JUST BEFORE they were in the XXXX.
Consumer complaint received 2024-02-13
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, my FTC report number was XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent accounts which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$31000.00} -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXXXXXXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$31000.00} -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$31000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I disputed an account with Transunion reported by XXXX XXXX XXXX ( XXXX XXXX under account XXXX. I was informed on XX/XX/XXXX that the item was deleted from my credit report. 9 months later on XX/XX/XXXX I have discovered that the item has been reinserted on my credit report. I sent Transunion a request for re-insertion reason on why this is back on my file while it was not reported for 9 months. I received no such notification. In XXXX, they sent me back letter that information they received was verified. 
On XX/XX/XXXX I sent another letter to Transunion for Re-investigation and METHOD of VERIFICATION on how they verified this information. I have sent USPS mail signature delivery tracking # XXXX XXXX XXXX XXXX XXXX XXXX was signed by Transunion representative : XXXX XXXX on XX/XX/XXXX. It has been over 30 days since I sent this Re-investigation and METHOD of VERIFICATION and have not received any information back. If they can not verify any correct information this account must be deleted immediately.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

This is the complaint regarding the XXXX credit   card. The clothing store XXXX. 
I made a telephone payment for about {$14.00} on XX/XX/XXXX, which is also the due date for that billing cycle. However, I was told by the XXXX credit card supervisor that payment was posted on the account on XX/XX/XXXX XXXX therefore there is a late fee {$30.00} was charged. Today, XX/XX/XXXX, I made a phone call to XXXX, they are not willing to remove my fee. And informed me that I must pay it otherwise there will be after late fee and interest. I had them to cancel my credit card now, until we settle down this case. she also stated that even I cancel the account, there will be late fee and interest to put in the account if I don't pay on XX/XX/XXXX. 

This is not fair to the consumer at all if a credit card company keep rolling up the fee like a snow ball.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

The financing company repossessed my vehicle after EVERY single payment was made on time and then not even 24 hours of it being late they repossessed it for being Late. I had to pay repossession fees AND also hefty fees to the financing company ON TOP of my already HIGH payment. MY bank told me that they should have at least tried to bill my auto payment twice or three times before REPOSSESSING the vehicle. It was IN my bank account. NOW my credit report shows that I had a missed payment.

Also CURRENTLY I have made EVERY SINGLE payment BEFORE the agreed upon date each month so my credit report SHOULD show the actual payments. I am NOT happy about the fact  that the XXXX only shows I paid until XX/XX/XXXX when that is INCORRECT. I have paid EARLY every single month for this ENTIRE YEAR. I want the credit Bureaus to reflect the CORRECT payments. All it states on my credit reports is that it is current but only shows that I made  payments through XX/XX/XXXX. It should be showing XXXX and XXXX both of XXXX as well. 

View all accounts XXXX XXXX XXXX XXXX XXXX - 2 Missed Currently on-time Overview You've paid off 10 % of the original amount. 






Balance {$19000.00} Highest Balance {$21000.00} Monthly payment $ XXXXOpenedXX/XX/XXXX ( 1 yr, 5 mos ) Term66 months Payment History Youve made 88 % of payments for this account on time.

XX/XX/XXXX Current Current Current Current Current No Info XXXX No Info Current Current Current Current Current Current 30-59 Days Late Current 30-59 Days Late Current Last paymentXX/XX/XXXXCurrent Payment StatusCurrentWorst Payment StatusNo Info Account Details Account statusOpenTypeAutoResponsibilityIndividualRemarksConsumer disputes - reinvestigation in progressTimes 30/60/90 days late2/0/0 GO TO XXXX XXXX XXXX CREDIT ACCEPTANCE CO XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX