davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

My name is XXXX XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX PA, XXXX as shown on my Pennsylvania Identification Card. All other name and address variations must be DELETED IMMEDIATELY they are inaccurate. There are numerous of INACCURATE ACCOUNTS on my credit report in which I disputed with XXXX, XXXX, and XXXX  and each time they state that they contacted the company 's and was told they are " VERIFIED '' ALL 3 AGENCIES are in VIOLATION of the FCRA, Per the FCRA " IF AN ACCOUNT IS NOT PROPERLY VERIFIED WITH SUBSTANTIATING PROOF BEARING A CONSUMERS SIGNATURE IT MUST BE DELETED '' All agencies are in VIOLATION. The following accounts below MUST be DELETED if they ARE NOT/ OR CAN NOT be VERIFIED with PROOF BEARING MY SIGNATURE : Capital One Bank # XXXX XXXX XXXX # XXXX Kohls/Capital One # XXXX XXXX XXXX/XXXX  # XXXX The accounts above are inaccurate and is a 3rd party collector! As you know a collection agency as known as 3rd party collecter can not furnish my report IT IS ILLEGAL FOR A 3RD PARTY COLLECTOR TO FURNISH MY REPORT ( Diversified Adjustments AGENCY ) MUST BE DELETED! 

If proof is not provided to substantiate these claims/account the MUST BE DELETED if they are NOT DELETED I WILL EXERCISE MY RIGHT UNDER THE FDCPA/CRA
Consumer complaint received 2018-05-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

I keep receiving phone calls from a " unknown '' number. I finally answered it today and it was from a credit card that I acknowledge that I owe the balance. The guy on the other end of the line from the bank was very belittling and demeaning to my current situation. I am currently in a wrongful termination suit against my former employer XXXX. The gentleman on the phone was very intrusive as to my personal finances and who was paying my current bills. He wanted to know how I was paying for my cell phone and who was making my car payment. He went on to inquire who was paying my rent. He kept saying I need to get out of bed and be responsible. After repeated comments about me being immature and when I was ready to have an adult conversation he would be willing to help me. I asked how I was being immature and what help he could offer. He said I needed to ask my family and friends. I told him that my family has no been a part of my life for about 10 years ... .the same reason I am in a wrongful termination suit is the same reason my family doesn't associate with me. I told him repeatedly that my family does not associate with me. He continued to say that I needed to ask my family. 
Then he started in that I needed to get odd jobs and get paid " cash under the table. '' I said that is not actually legitimate and stealing from the government ... .to get paid " under the table. '' He said he can't be held responsible for my immoral decisions. I told him that he was encouraging immoral behaviors. To which he responded, " i don't care how you get the money you just need to get us the money! '' The guy got more and more indignant and started to yell. My friends were here and heard how he was talking to me and told me that it was absolutely inappropriate the way he was talking about my situation. After he told me I just needed to pawn everything and make a payment to the bank, I knew I was through and was not listening to him any longer. 
The attitude and the way he demeaned me on the phone was unnecessary. I refuse to be talked to in such a manner. After I just declined to make a payment due to his attitude is when he really went off. He said he would just continue to call me everyday and bug me into making a payment. I can't block the number because they call from " unknown. ''
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (TN)

Problem is with Fidelity Credit Card, Elan Financial Services. They owe me a refund of {$6600.00} for an accidental over payment of my account. The problem has been going on since XX/XX/2019. I have received a constant runaround from XXXX. Need assistance ASAP!
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (MO)

I trust this letter finds you well. I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in removing a late closed and charge-off status on my financial records. 

Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. 

Here is a summary of the steps I have taken to address these issues : I understand that resolving such matters may take time, but the prolonged nature of this issue has led me to escalate the situation formally. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify and remove the late closed and charge-off status promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX  XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I have fraudulent accounts on my credit report that needs to be removed immediately. I have attached the FTC Report that I filed, cover letter restating the accounts that have been submitted on my FTC Report, along with a screenshot from the FTC.GOV website that states " .... if you have an FTC IDENTITY THEFT REPORT, credit bureaus must honor your request to block this information. '' So, that there is no misunderstanding that the bureaus do not have a choice to not block the information that I have reported fraud on my credit report. If not blocked it is also a violation of 15usc 1681c-2 ( a ).
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

On XX/XX/XXXX I was notified that my credit score went down by XXXX points due to a late payment at Macy 's. In XXXX of XXXX, my account was hacked and I updated my Macys app to a new bank account number. 
Unbeknownst to me, Macys removes me from auto payments since they tried to make one and it was sent back to the bank.

I called Macys to remove the credit report because : 1. I was not notified they pulled me from auto pay.

2. No attempt was made to contact me.

3. No letter was sent to me notifying me of any issues. 
When I called Macys the gentleman I spoke to told me I was not set up for auto pay. So we set that up and set up paperless statements. 
When I spoke to Macys, 1 day later ( I was informed no one could help me until the payment cleared ) I was informed that I had paperless statements that it was my job to open them. 
I explained I just set that up yesterday. 
She explained that they sent to me numerous notices. I asked what they were and she said : 1. We called you. I had no voicemails. She said all calls were unanswered with no message left. They never left a message!

2. They said they mailed me late notices. I said to where? She gave me an address I have not lived at for 11/2 years. I then asked how come I changed my address in my Macys app and you guys have sent me multiple products to my new address and you don't have it? She told me that the app does not speak to my " account '' so they had my old address. 
All of there reasons are unacceptable, to say the least. 
A consumer by law must be notified if they are going to be sent to collections for late payments. 

Nothing was sent to me and no call from them left a message. 

This single incident and their carelessness cost me a decrease in my credit of XXXX points. Which will cost me XXXX  of dollars in the upcoming years. They did not do their due diligence and it must be fixed. Please help. They have said their investigation shows no error on their part. They even sent me a copy of the letter they mailed to the wrong address PROVING they made the error and they refuse to budge. 

I can prove every inconsistency in their letter to me. I have proof that two of my bank accounts were hacked and had to be changed. In their letter to me they state that my auto pay was only set up in XXXX and that is incorrect. That was my bank 's first hack resulting in closing an account I had for over 20 years. 

I was not notified of an issue of none payment, as I continued shopping and buying items with no notification. Their letter to me is inaccurate and false. 

Please help.
Consumer complaint received 2020-02-10
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RE : XXXX XXXX XXXX XXXX, XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120000.00} MTG {$0.00} - - XXXX XXXX XXXX XXXX PD WAS 30  XXXX/TU Late Dates : XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$290000.00} MTG {$0.00} UNK {$0.00} {$0.00} XXXX XXXX XXXX XXXX  PD WAS 30  XXXX/TU Late Dates : XXXX-30, XXXX-30 XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4900.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XXXX/TU Late Dates : XXXX-60 (  See status ), XXXX-30 XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$290000.00} MTG {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS 30 XXXX/TU Late Dates : XXXX-30 XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$300000.00} MTG {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS 30 XXXX/TU WFHM XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$260000.00} MTG {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS 30 XXXX/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} EDU - XXXX - - XXXX XXXX XXXX XXXX CHARGE OFF XXXX/TU To Whom it May Concern, Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and Trans Union. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life. 
I am now demanding the immediate and complete removal of this tradeline from my credit reports ( XXXX, XXXX, and Trans Union ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by xxx, I will take any and all necessary steps to protect my rights. 
Thank you in advance for your attention to this matter. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-02-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I am currently on XXXX, and was defrauded out of {$16000.00} through an online scam. ( XXXX XXXX ) I have submitted a fraud complaint to the FBI, however, when contacting NFCU, they have refused to assist in any way and are holding me accountable for 2 loans taken out in my name, with money transferred to other entities. NFCU has stated they found no indication of fraud, although the supporting documents attached will prove otherwise.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have a 6 month Libor rate ...

The reset indicates that the rate is based on the first business date preceding the month of change ....

SPS used the XXXX XXXX  of XXXX ... My contention is they should have used the XXXX  of XXXX..

With that said I don't want to allow them to change my contract so that in the future they might be able to assert I accepted the change when SPS may have bigger financial incentive to do so.

Thank you for your time.

Regards, XX/XX/XXXX
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (ID)

Around XXXX of XXXX there was a promotion to sign up for a XXXX Credit Card issued by Comenity Bank , the promotion was that if you made a purchase within 90 days of opening your account they would give you a {$50.00} XXXX XXXX XXXX XXXX I still have the email saved as evidence for this offer. After getting my card and making my first purchase within 90 days I waited approximately 8 weeks before reaching out regarding my store code. I was told that their systems were updating and that they would add the points to my account soon so that I could redeem them for my {$50.00} store code. 4 weeks later I reached out again because I still didn't have my points, I was told the same thing as before, their systems were updating and hopefully my points would get deposited soon. In XXXX of last year I finally got a letter in the mail saying that the update was done and that points would start to be added, I was notified that my points were added yet when I went to check it was nowhere near enough to get a {$50.00} store code, I was given around XXXX points and a {$50.00} XXXX XXXX card is closer to XXXX points, so I was missing quite a few points. I called again and was told once again that the system was updating. At this point I made a complaint with the XXXX XXXX XXXX  about a month later I received a letter from Comenity apologizing but still not doing anything. I am fed up with this company
Consumer complaint received 2021-04-16
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. (FL)

Hello, Today is XX/XX/2021. I am looking to fix information on my credit report which should have been taken care of along time ago. At some point someone stole my identity and used my synchrony bank credit cards. I never made these purchases. I had 2 store cards. I never signed anything or gave anyone my consent to use my credit cards. One says for the amount of {$650.00} and the other {$810.00}. The collection agency names are XXXX Rc and XXXX XXXX I. In the past I have called XXXX going back over 1 year ago about the situation multiple times. I was told they would put in theft since I never authorized anything and I would not be responsible. Now I am getting the run around which is why I am coming to you guys for help. I have been told by friends under the fair credit reporting act alone of letters I sent in that this should be removed from my credit as it's been way over 45 days since my original complaints went in.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (IN)

I XXXX XXXX has the right to privacy and I have not given anyone written consent to report the following accounts. 

1 XXXX XXXX XXXX 2 US Dept. of EDXXXX XXXX 3XXXX XXXX  and XXXX XXXXXXXX 4 XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-10
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. (FL)

I have held an account with XXXX for 8 years and never missed a payment. The only reason I keep the account is because it is one of my oldest accounts. Every month they charge a monthly fee for having the account. They dont offer automatic payment plans. Between XX/XX/XXXX and XX/XX/XXXX I was traveling extensively for work. I have every alert/notification Turned on for the sole reason of not missing a payment. I did not receive be alert or notification, no email text or even phone call from XXXX  XXXX stating that I missed a payment. I only found out after my credit monitoring company informed me that XXXX has reported I missed TWO payments. I tried contacting XXXX immediately but they dont offer a phone number to contact them, only if you want to apply for a new card or general account information, password change, address changed etc. 

It is improper to offer services such as notifications for late/missed payments then not use those services to inform someone they missed a payment. Not only that, Then XXXX reports you late by two payments. I do not miss any payments, not on any of my accounts, and this negative reporting is abusive when there is no option to remediate the issues.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

Commenity Bank hasn't reported payment and balance information to the credit bureaus since XX/XX/2022. I have paid off 2 accounts in an effort to get a home loan, but it's still showing a balance on my report.
Consumer complaint received 2022-10-15
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. (MI)

I have unauthorized inquiries reporting on my credit report that I didnt authorize or approve and I would like them removed as soon as possible because they are fraudulent. The following inquiries are not mine and I dont recognize them : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2023-03-23
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: National Credit Systems,Inc. (WI)

I have disputed this fraud numerous times and sent in a theft affidavit with my police report. They have not yet removed this collection after receiving all information including police report, signs by a notary and a witness.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act The 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose