davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (OK)

I have received threatening calls from a collection agency about an apartment I moved out of on good terms. I did not get a letter or email explaining what I owed or how to resolve the matter. Over the past few months the amount has gone up
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (FL)

Dear CFPB Staff, My name is XXXX XXXX. Genesis FS Card Services , Inc./Destiny Mastercard 's staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus. 

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by Genesis FS Card Services , Inc./Destiny Mastercard 's staff 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.
Consumer complaint received 2022-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a hard inquiry on my credit from Capital One ( date : XX/XX/22 ) for an unspecified credit line. I did not apply for any credit product through Capital One or any other lender and this is either fraud or an unauthorized credit inquiry.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (TX)

Due to a COVID-19 income/hour loss I fell behind with some payments in XXXX. I entered into a payment agreement and stayed in contact with them throughout the entire process. The account is current, paid in full but showing 30, 60, 90 and 120 day late payments from XX/XX/XXXX to XX/XX/XXXX. I have called, emailed and written letters with no response. According to the CARES ACT these payments should be reversed and show as paid as agrees on all three of my credit reports.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to XXXX U.S.Code XXXX XXXX under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ) under the FCRA. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ). Just an FYI : I understand pursuant to XXXX XXXX XXXX ( c ) I understand that you XXXX decline to block or XXXX rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXX Code XXXX. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2023-06-27
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX/XXXX  XXXX Balance : {$990.00} XXXX/XXXX  XXXX Balance : {$680.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$550.00} - XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX/XXXX  XXXX Balance : {$930.00} XXXX  XXXX Balance : {$14000.00} XXXX/XXXX  XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

Due to a COVID-19 income/hour loss I fell behind with some payments in XXXX. I entered into a payment agreement and stayed in contact with them throughout the entire process. The account is current, paid in full but showing 30, 60, 90 and 120 day late payments from XX/XX/XXXX to XX/XX/XXXX. I have called, emailed and written letters with no response. According to the CARES ACT these payments should be reversed and show as paid as agrees on all three of my credit reports.
Consumer complaint received 2022-05-06
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

Hi, I have filed complaint a few months ago regarding NAVIENT my student loans that recently rolled over to XXXX XXXX. But that was for my Dept of Education loans. My problem with Navient right now is, they were supposed to transfer all my loans to Aid Advantage, but they are telling me only Dept of Education was transferred to Aid Advantage. There is a pending payment of {$1400.00} in my Navient account now that they want me to pay. They are telling me this is private loans from XXXX XXXX  XXXX XXXX that I attended. I never got private loans from that college. They do not even offer that type of loans except FAFSA. So back on XXXX  I paid {$3500.00} fully paid for that college. None of the loans company recall I paid such a thing nor can not see this amount has been paid. But I took a screen shot of that before Navient transition to XXXX XXXX. I do not understand what is this {$1400.00} amount that Navient wants me to pay came from and which loan it is and they keep saying if Private loans from XXXX XXXX  XXXX XXXX! This doe not make sense to me! They are keep changing stories. I do not even owe them nothing and they are charging me interest already on top as well! This company is full of corruption and they have no idea what is going on. I spoke with aid Advantage as well and they told me Navient is the blame. I am like ok, I will contact you guys to be investigated. Please help me understand what is going on as I am about to get a lawyer if no results come out of this as these seems to be so corrupted to me. 
Please advise. 

Thank you.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

On XX/XX/2022 I applied for HomeDepot XXXX XXXX  card, Immediately after submitting application on the screen stating to give them a call. I called their new account and spoke to a young lady by the name of XXXX, I had to verify my identity with her over the phone and then she placed me on hold. She came back after a 5 minute hold and stated to me I was declined because they couldn't verify my identity due to a extended fraud alert. I reply I never requested an alert and I can verify anything that needed. She stated that I need to contact XXXX and to give her a call back once I get it removed and resolved. I did just that after being one the calm with XXXX for XXXX, it was confirmed remove. Immediately tried to contact the number that was on the reference screen however kept getting a error stating I was deny and I will get a letter in the mail. At this point, I'm very upset and disappoint because my credit is my life and I pay all of my bills on time and my credit is over XXXX. Finally calling 3 different numbers, I was able to speak to a rep by name of XXXX who tried to help me. She stated that the alert was still on my credit and she needed to pull my report again. Waited on hold for 15b minutes then she cam back and saying there's and issue with my address. Going back and forth with no solutions. She stated that she needed to pull my XXXX report which is 3 pulls in less than 2 hours for 1 application which is unlawful and now she comes back and say its decline for no reason. I spoke to a XXXX XXXXHK manager which was very rude and stated that she can't give me a reason of denial. She stated the credit bureaus declined me which is a lie not truthful. All consumers have open end credit and should not be denial. I feel like I was discriminated from able to getting credit with HomeDepot pro which is unlawful. XXXX being on a phone and getting deny to no reason and to get very bad customer service is not acceptable. I'm demanding this matter be escalated.
Consumer complaint received 2022-03-18
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. (CO)

In accordance with the Fair Credit Reporting act, 1. XXXX - XXXX XXXX XXXX  ; 2. XXXX XXXX  XXXX XXXX 3. XXXX - XXXX  XXXX  4. XXXX - XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX - XX/XX/2022 9. XXXX  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 an account without my written instructions.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

From XX/XX/2021 Ive been disputing this charge on my Best Buy credit card with city they asked me for information I provided those information but still yet the charges is still on my account and that collection is calling my phone each time I call them theyre telling me its still underneath investigation from XXXX till now which bank in the world is disputing a charge for five months after they got information my attorney want me to take legal action with the bank because they are playing games I am in my rights to do such things because they are really playing games to protect a business while they should be taken protecting the customer
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently looked at my credit report and noticed there were fraudulent accounts on my credit report. I have listed these accounts that I have 0 knowledge of and do not recognize these. I would truly appreciate that these are blocked and removed from my credit report. As I need to get approved to get into an apartment.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (AZ)

I recently looked at my credit report and noticed there were fraudulent accounts on my credit report. I have listed these accounts that I have 0 knowledge of and do not recognize these. I would truly appreciate that these are blocked and removed from my credit report. As I need to get approved to get into an apartment.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (CA)

I had a XXXX  gift card for {$500.00} through Blackhawk Network XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX. I activated the card in XX/XX/XXXX and it immediately was hacked. There were several small charges from XXXX adding up to {$500.00}. I was not aware of this until I went to use the card an hour later. I reached out to Blackhawk Network right away, and was told they would dispute the charges and I'd be refunded. I reached out a couple of times to be told it was still being worked on. On XX/XX/XXXX after reaching out a 3rd time I was told the same thing and also received the email from them attached stating it could take 30-90 days. 
I had not heard anything further and called them again today XX/XX/XXXX and I was told by XXXX there that the case was closed/resolved on XXXX and that I was being sent a refund of {$180.00}. 
1. I had no idea that it was " resolved '' on that date. Was never notified.

2. The amount was {$500.00} not {$180.00} XXXX informed me that that's all that they could dispute and since so much time has passed they could not dispute the difference that I am still owed. So much time has passed because THEY took so long and never sent the portion of the refund stated above, nor notified me of this. How do I get the remainder of the funds back?
Consumer complaint received 2022-03-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit management debt collection company has been robocalling constantly. They are violating the law. Here are the phone numbers and dates. Please investigate this harassment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (LA)

Was sent numerous collection notices for {$6100.00} that at the time I did not know how to dispute until now. I contacted the debt collection agency ( Lockhart Morris & Co ) on XX/XX/2022 and the representative could not locate my name or the collection account.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (IL)

On XX/XX/2022, I received a XXXX XXXX. 
This card listed my first name and full social security number as the username. 

I called XXXX and had them immediately close the account, as I never opened it, nor would I select a username that exposes my personal information. I then created a fraud alert with one of the credit bureaus. 

Today, XX/XX/2022 I received a debit card from Chime, so I called and reported it as fraudulent. I was asked to verify my personal information to verify it was my account, so I gave the information, since they had it already, but my email address didn't match. 

At this point the representative from Chime read me back the email address, which was my first name, followed by my social security XXXX. 

I am now on the phone with XXXX and I'm going to report that the email address that is made up of my first name and social security number is creating fraudulent accounts in my name. 

The odd thing is that they would likely get away with it, if it they weren't sending the cards to my actual address. I mean, why would you send the card of a fraudulent account to the person whom you are defrauding.
Consumer complaint received 2019-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I am filing charges according to my rights disclosed in section 609.. about my credit report not showing anything owed to this account with Midland Credit Management . There have been repeated threatening calls and just today on XX/XX/2019 a letter threatening to forward an account listed in the letter, for a possible litigation through a in the state of Michigan. They are threatening me, if I don't respond with payment of {$3900.00}, for an account that has no credit report backing it and no proof of a written signature by me, that by XX/XX/2019 they will pursue litigation against me. 
I have requested them since receiving these letters to produce an original signature of my own hand-writing and the original contract for this account. I have in previous complaints submitted evidence of identity theft, which was also backed through local police reporting. 
The company responsible is Midland Credit Management with address : XXXX XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX another address shown on letter is : Midland Credit Managment , Inc XXXX. XXXX  XXXX XXXX XXXX, CA XXXX XXXX There report is on some, XXXX XXXXXXXX XXXX Rewards with some listed Account Number : XXXX Reference MCM Account Number : XXXX with a proposed amount owed of : {$3900.00} I am requesting you to ask them to produce evidence to you and me that there is a written signature by me and that they can show an original contract that would show this as a valid debt. I fear this may an identity theft issue. 
I also do not see this debt reporting on any of my credit reports. 
Can these institutions still threaten with calls and these letters without the backing of the credit report. I have included an attachment of this letter as well. thank you.
Consumer complaint received 2022-10-27
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (AL)

Account with Regions bank opened in my name on XXXXXXXX XXXX with account number ending in XXXX. 

My name and email address were on the email sent by regions. When I attempted to seek help at regions they did verify my social and date of birth were used to peon the account but refused to close it.
Consumer complaint received 2023-09-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (NY)

On XX/XX/XXXX I used Ria Money Transfer to send {$8300.00} USD converted to {>= $1,000,000XXXX XXXX XXXXo be deposited into a business contractor 's account with XXXX XXXX  XXXX. I received confirmation and PIN # that the money was received and would be deposited in the recipient account within 3 to 5 business days. One week later the funds were not deposited. I called Ria and was told that XXXX XXXX  in XXXX a correspondent bank they used has the money and they will send a message for them to release it. 

Two weeks later the funds were still not received. I called Ria Transfer Service and asked that my funds be returned to me. I was told that my cancellation was accepted and is being process, and I received a confirmation number. This return will take another 3 to 5 business days to be deposited in my account. One week later again no funds were returned. I called and spoke with a Ria Supervisor who told me the cancellation was only a request and was not process, however she will now submit another cancellation and my funds will be deposited in my account within 3 to 5 business days. 

It is now XX/XX/XXXX and I have not received my return. Please Help Me. 
Respectfully yours.