davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (FL)

Back in XXXX of XXXX, my son 's wallet was stolen from the gym. His ID and credit card which he is authorized user of mine was compromised. He filed a police report. In XXXX, the credit card was used at XXXX for a purchase of {$140.00}. I disputed the charge with my credit card ( XXXX Bank ) and contacted XXXX. The representative at XXXX said they did not have any information about me in their records. I have never had an account with XXXX. I have been an XXXX customer for over 25 years. In XXXX of XXXX, I received a past due bill from XXXX XXXX I called XXXX again, spoke to representative and we filed a fraud claim with XXXX. # XXXX. Shortly after that call, I received a letter from a collection agency stating I owed the debt. I disputed the debt, spoke to the collection agency who informed me to notify XXXX Fraud dept with my case # and their collection account #. I spoke to XXXX again, they requested I send an email to XXXX Fraud, with the case #, my identification, and police report from last year where my identity was stolen. I sent them the information on XX/XX/XXXX, and have not received a response. Now, on XX/XX/XXXX, I received another collection letter from a different company, Receivables XXXX XXXX attempting to collect this same debt which is not mine.
Consumer complaint received 2023-03-14
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. (MN)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies have 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. 1681c ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which XXXX XXXX  the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to think that the information is inaccurate.
Consumer complaint received 2019-04-23
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. (PA)

I have been in USA two times as XXXX student ( summer work and travel program ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX  XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip, I opened a XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA in XX/XX/XXXX I went to XXXX XXXX XXXX to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureau. I was shocked because I have never applied for any credit lines/loans/credit cards in the Unites States until XX/XX/XXXX. After a few months ( when I came here in XX/XX/XXXX ), I found out information about credit reports/score/credit history. I log in to XXXX/TransUnion and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the USA. So, this complaint about ALL information which apper from XX/XX/XXXX till XX/XX/XXXX. I physically lived in XXXX from XXXX XX/XX/XXXX ( which is my DOB till XX/XX/XXXX except to trips to USA that I explain in a beginning ) -it 's no way for me to use this cards. I multiple times explain that over the phone to all credit bureaus and have sent ALL my personal information to confirm my disputes but I am still waiting for the full resolution about a year and suddenly some past FRAUDEN accounts appear at my reports.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (FL)

The credit issuer Comenity Bank issued a BJ 's Perk card based on application I submitted. I was able to make a handful of charges. Then suddenly without notice, the card was abruptly closed and future charges declined. 

The bank gave out a cookie cutter response that it is related to credit scoring. However, I find that to be incorrect, and even a lie and a bunch of horse XXXX XXXX. 

Why would they approve the card, allow about {$2000.00} to charge to it, I make normal payments, then they close without due process. It cause irreparable damage to my scoring, and an embarrassment at the points of sale. 

Further more, I am being duly denied of my discounts offered by the use of the card, and many other collateral losses. 

I demand reprimand to this card issuer, or the reopening of the Elite Mastercard subject of this complaint. 

My complaint reference to the bank is dated XX/XX/2020 reference No. XXXX, spoke with XXXX ID No. XXXX senior advisor. 

Furthermore, I requested a transactional letter detailing the events, but they were not willing to provide any documentation related to my file other than a computer generated generic letter with the lame excuse they continue to use.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I am disputing the validity of this debt owed. I am currently working with a lawyer because Portfolio Recover Associates, didn't provide accurate or necessary proof of debt. 

They also continue to call my work and my phone. They have even resorted to texts. I have told them on numerous to stop contacting me. They don't stop. I have attached a screen print of them continuing to contact me.
Consumer complaint received 2023-03-14
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. (GA)

I have done several investigations and disputes on my credit reports which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the Credit Bureaus didn't make sure it was reporting 100 % correct. I also included my Driver license, social security card, and current utility bill with my proof of recent address on it each time as proof it was me. and each time the Credit Bureaus sent correspondence letter stating I or a third party didn't appear to have properly authorized to send in information to them I know for a fact it's a stalling tactic rather than to do a proper investigation and remove all inaccuracies from my Credit reports. Also they'd follow up with correspondence after that each time stating my accounts was properly investigated, but how is that possible if there are several open dates that is inaccurate, Reporting of collection accounts with no names and other inaccurate information along with it, inaccurate Terms on credit accounts, inaccurate payments received along with not reporting all payments in a timely manner, inaccurate pay statues on several accounts, date last reported is not accurate and several dates last active are damaging inaccuracies that are all reporting incorrectly across all three Credit Bureaus. on top of this TransUnion failed on several occasions after my mailed in disputes with proper documentation and proof its me for almost 2 years now to remove a said XXXX  XXXX Bankruptcy thats reporting an inaccurate Case Number, and its still on my credit report. All of these is grounds for removal, they also violated my rights under 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. 

Yet I have received several responses from all three Credit Bureaus stating, said Companies verified all information reporting to be accurate to them, but when I requested who were those companies, also to disclose to me what proof of each account that was investigated they sent in on my behalf showing my wet signatures connection to me along with my correct personal information to say those said accounts were accurate, and none of the Credit Bureaus would give me that information or make corrections. I have even called and spoke to Managers of all three Credit Bureaus with nothing but refusals to remove inaccuracies along with just reading scripts giving me generic answers, which is also a violation of my Rights to my own personal information.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (VA)

Comenity Bank operated a store credit card for Wayfair, Inc. Earlier this year, Comenity was marketing its credit on the Wayfair site offering promotional terms ( no payments until 2021, for example ) to lure customers in. I also signed up and used the card to make purchases on Wayfair 's site. A months later, I received a notice from Comenity that it was closing down the Wayfair store credit card program and a Comenity credit card representative told me check back soon because Comenity would allow us to move the credit amount ( {$2000.00} credit limit in my case ) to another Comenity Store card account that they offer ( such as XXXX ). Later Comenity sent a letter telling that their rep had lied to me about that possibility and that Wayfair customers would NOT be able to transfer the credit limit to another account. But they misled us about closing the account. They would keep the account " open '' for the sake of collecting payments but were revoking the {$2000.00} credit limit. They then reported to the credit bureaus that they had " closed the account due to a settlement or charge-off ''. However, this is false - they did not offer a settlement and are still collecting for the full amount of the debt. Because they lied to the credit bureau, my credit score has plummeted because their actions caused my credit utilization score to rise to 331 %, because they did not in fact offer any sort of settlement on the account. 

I believe that Comenity conspired with Wayfair by offering promotional a payment plan because it knew full well that it intended to close the program down a few months later. This bait and switch program sold a credit card account and offered instead something else entirely - a predatory loan that hurts our credit. Comenity did send a letter confirming that their representatives tell mistruths about the credit card closure, but only offered an apology. Nothing more. There was no settlement offer.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN XXXX DOB XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 


Item # 1 : I dispute XXXX  XXXX XXXX XXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX  XXXX XXXX agreed to. XXXX  XXXX XXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. This account has been removed by XXXX and I attached proof. 
Please delete this account. XXXX  XXXX XXXX did not report this account correct for more than a year. Account is more than 7 years old. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (NY)

I applied for employment at XXXX and they conducted a background check into my motor vehicle record with a company called First Advantage. The company reported my license status as " withdrawn '' and have made no changes or updates to correct it. They also reported me as ineligible. The report is dated XXXX.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I am a victim of Identity theft and breach of information. The information that appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and breach of information.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft and breach of information. This information which appears on my credit report, does not relate to any transactions that I have made. It is a result of identity theft and breach of information.
Consumer complaint received 2022-09-15
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)

I first noticed in XXXX that Experian was reporting late payments on an account that i paid off fully in XXXX. I purchased in FULL my car that was being leased from XXXX in XXXX. Never missed any payments, but Experian started reporting me as being late on an account that was closed out. I sent them a letter and they ignored the late payments. I sent XXXX a letter and they said they would tell Experian this was a mistake. However they are still reporting me as being late today. How is this possible? It is really causing me to lose out obtaining credit and good interest rates. How can they knowingly keep making this mistake? There is no way my credit score should be hurting because Experian is refusing to do their job. I am the victim here ..... Please help
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MI)

Navient has reported student loans that I held with them is delinquent during XXXX which is incorrect. I have contacted the company and they stated I need to dispute with the credit bureaus which I have done on 4 separate occasion. I have also submitted documentation of my account from the company 's website showing that the accounts have never been delinquent. As these are federal student loans had they been delinquent additional actions would have been taken by the company. The account shows the following : In XX/XX/XXXX paid as agreed, XX/XX/XXXX 90 days past due, XX/XX/XXXX 120 days past due, XX/XX/XXXX 150 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX no data submitted, XX/XX/XXXX no data submitted, XX/XX/XXXX paid as agreed. This same reporting was done on all 7 of the accounts that I had open at that time with " Dept of Ed/Navient '' Accounts beginning with XXXX. I do not have anywhere else to contact, the bureaus state I must work with the creditor and the creditor states I must work with bureaus. I have been attempting to correct this error for more than 3 years and am at a loss as to what to do next. This issue has cost me several thousands of dollars in increased interest associated with the impact this has had on my credit score.
Consumer complaint received 2023-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aspen National Financial, Inc. (MD)

I have written Aspen National Collection a proof of validation letter on several occasions. XX/XX/2023, XXXX, 2023, and XX/XX/2023, in which they have failed to respond to any of my letters. Aspen National Collection has also ignored my request to cease all telephone communication and to only contact me via mail, as they continue to call and harass me on a regular basis. Nonetheless, according to the Fair Debt Collection Practices Act ( FDCPA ) debt collectors must provide validation of the debt if the consumer disputes it within 30 days of the initial debt collection notice. ( 15 U.S.C. 1692g. ) I disputed the debt for the following reasons. This is not my account ; the balance being reported is incorrect, this account does not belong to me. Per my request XXXX has not provided sufficient evidence that I owe this debt.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (OH)

On XX/XX/2018 I was comparing credit card 's on Citibank 's website. I applied for the Citi Diamond Preferred Card. I received a instant approval for the Simplicity Card. I was concerned and I immediately called Citibank. I was told that I'd need to wait 3 days until the card is showing in the system and it could then be switched to the correct card. I called days later to speak to 3 separate people. I was told this wasn't a problem and then I was hung up on while they were switching me to another person. I spoke to a nice woman who filed a complaint on my behalf. I have been told many things from managers and all have told me that they'd get back with me immediately and that my situation would be rectified. Unfortunately, I've been lied to. The most recent phone call on the XX/XX/XXXX promised me a phone call from the vice president within 24-48 hours because there were no notes from the gentleman in management that had promised to call me back on the last conversation. I lost his name but I had really trusted him and the promises that he had made to me. It appears that every conversation that I've had with Citibank have been lies. I'm especially surprised that even the managements, management doesn't do what they are supposed to..
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am a victim of identity theft and breach of information. Information from XXXX XXXX appears on my credit report, does not relate to any transactions that I made. It is the result of identity theft and breach of information.
Consumer complaint received 2020-11-10
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2020-11-09
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. (CT)

I purchased two flights to Alabama during the covid pandemic for an parent who was very ill and doctors told me they didn't have long to live. I have immune deficiency issues and wanted to be sure the flight was safe and the airline was practicing social distancing. The airline advertised that they were and I also called and was told that they were only filling the plane to a certain percentage to allow for social distancing and seat changes. This was not true after boarding the plane I realized that they were not practicing social distancing and had filled the plane to full capacity with only two seats left. I was told I would not get a refund by the airline and that I had to file a complaint. Citi NA is refusing to dispute this stating that I used the ticket. I had no choice but to use the ticket I did not know that XXXX XXXX would be dishonest. I trusted them with my health in a pandemic when I was given bad news. I was subject to several tests due to their dishonest claims that they would social distance and limit seating capacity ok the plane. Since my complaints, XXXX XXXX has changed its policies by alerting customers that the flight is a full flight and giving the option to change flights. This was not available when I took my flight not was it offered when I complained.