davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

The Discover Credit card does not want to hear and consider that facts that I am showing about the fraud on my credit card.

As I explained to the representatives at the Discover that i was away for work my card was charged at several locations in a different state. There was also a charge from XXXX   store and i was told by Discover that it delivered to my address.

1. I did not make the purchase/order from XXXX, which from what i was told was for 10 XXXX or so.

2. I did not give Discover permission to charge the card ( i was told by Discover that someone allowed the purchase to go through. ) 3. Discover card does not want to acknowledge the fact that i was away from New York in XXXX   when the orders and the charges were made. I am sure it is possible to track where the order was made and how and by who.

4. THE MOST IMPORTANT. The only fact that the Discover Credit card relies on and does not want to hear me, is that the delivery was made to my address and it was signed for it with my first name.

I however several times tried to prove that i did not receive the delivery and i did not sign for it. The fact that the investigators, discover card and XXXX XXXX. can not find the suspect does not make me responsible for the charges.

I am sending proof of three official government issued Identification cards and each of them has my signature on them that do not match the signature that was signed for the delivery.

If discover claims that it was delivered to my address and signed, it could have been received by anyone, outside, in the lobby ( because i live in an apartment building ) in the hallway.

So it is up to investigators and Discover to find who made the purchase and who received it. Also for the XXXX company who delivered the package. If the package was for an amount over 10000 dollars they of XXXX products they should have checked who they were delivering the package to, by at least checking the ID.

Once again please hear and read my information and do not only rely of things that favor you Discover Card and make conclusion without ALL the facts.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MI)

I received a letter from Convergent stating I owe XXXX {$300.00} from six years ago and that XXXX told them they satisfy the balance by 65 % to {$16.00}. This account had been closed over 6 years ago and equipment was returned to XXXX. I never received another bill. I opened an account with XXXX for internet service. My previous service was cable. I am attaching a letter sent from me to Convergent. I have my received a response. I have been receiving several telephone calls from this Company from several different cities.
Consumer complaint received 2019-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following accounts belong to someone else and they were fraudulently put on my credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2. XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( Transunion, XXXX, and XXXX  ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights.
Consumer complaint received 2019-07-11
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: Experian Information Solutions Inc. (CA)

The following accounts belong to someone else and they were fraudulently put on my credit report : 1.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2.  XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( XXXX, Experian, and XXXX ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NH)

XXXX, XXXX XXXX  and NYC and Co have all closed my store credit cards with them that I had paid off. I was told because they were dormant then when transferred to a supervisor at Commenity Bank was told because of my credit report that was dinged and lowered because of these accounts being closed without receiving any letter.
Consumer complaint received 2019-07-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I sent a dispute letter to Experian dated XX/XX/19, regarding 4 items reporting on my credit file. They received this on XX/XX/19 according to tracking confirmation. 

This letter, attached below, stated that I wanted documentation that they had on file as of XX/XX/19, that was used to verify the accuracy of these accounts since I am reporting them as inaccurate. I stated under the FCRA 15 USC 1681, I have the right to demand that they disclose these documents to me. I specially asked that they not respond with a letter stating they have been verified, but to send me documentation as mentioned above. 

I stated that if they were unable to provide me with docs to verify accuracy of these account, to delete them immediately, as required under section 611 ( a ) ( 5 ) ( A ) ( i ). 

I received a letter from Experian on XX/XX/19, with results, showing that all of the accounts will remain and/or have been updated, however, I received NO DOCUMENTATION as I requested to verify the accuracy of any of these accounts. 

I listed 4 accounts in this dispute and only received information back about 2 of the accounts. I have attached a copy of the letter I sent to Experian, and the letter they sent to me, received on XX/XX/19. 

Thank you
Consumer complaint received 2019-07-11
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (GA)

This company continues to call my workplace and people in my social network, including but not limited to, another XXXX  in my town and my neighbors. Using harrassing tactics and ruining my reputation. If they really want to see any loan repayment they are sabotaging my ability to do it. 

They have called me twice at work per day and many times on my cell phone since Monday. Interfering with my ability to work. 

Today at XXXX XXXX they left a voicemail message with a XXXX  who is clearly not even related to me. I have a screenshot of said message if necessary. Several months ago they contacted my neighbors and XXXX friends.
Consumer complaint received 2019-07-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (OK)

I have a situation. 

Apparently, student loans can be garnished without a court order. 

My wages are being garnished for a student loan that is either not mine or has an enormous amount of bad information. Wrong name wrong amount wrong interest rate XXXX in unexplained late charges. I believe the only piece of accurate information is my social security number. 

The company that is garnishing my wages sent me a letter saying I had 30 days to dispute the validity of the debt. I sent a certified letter disputing the validity of the debt. They wrote back a very strange letter that seemed to indicate that because my name was not the one on the garnishment I could not dispute the garnishment. I think this reasonably means they do not believe that I am the person named in the debt.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

After review of my billing I noticed I am being charge two ( 2 ) different interest rate on one balance. One for Interest charge on purchase and one for " Protected Balance '' which I was told was a balance due from last year. This is two different interest rate on the same account with one balance. How can a store credit card be allowed to charge two interest rates on one balance. I don't believe this is legal.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (GA)

During XX/XX/XXXX joint checking accounts held by my ( late ) Father and me were compromised by a home healthcare worker. She fraudulently gained access to the accounts and obtained a debit card while my Father was dependent and suffering from XXXX. XXXX  debit card transactions were executed in 20 months valued at {$57.00}, XXXX. No receipts have ever been produced for this activity. In addition, the homecare worker forged my Fathers name to at least 48 checks identified as forged by a nationally recognized handwriting expert. 

An account valued at {$270000.00} was overdrawn in 15 months due to debit card conversion and forged checks. Statement delivery to the account owners during this period was prevented by mail interception and password changes to online access. Further, the conservator refused to turn over the bank statements preventing discovery. Fraudulent activity was discovered after statements were subpoenaed in XX/XX/XXXX.  Bank was notified in XX/XX/XXXXand has thus far refused to acknowledge any role in enabling the forgery and fraudulent debit card activity. 

TD Bank is responsible for granting access to the account to a person with a history of writing bad checks off TD Bank without proper legal documentation. They failed to identify obvious check forgery and failed to notify the account holder when the velocity and amount of transactions exploded. The fraudulent activity was reported soon after it was discovered yet TD Bank has refused to acknowledge their responsibility sighting OCC rules regarding reporting forgery and debit card fraud. Contemporaneous reporting was impossible because of the suppression of the statements by the guilty. Further, the primary account holder was elderly, lived in a dependent state and suffered from XXXX making it impossible to review and report the activity.
Consumer complaint received 2024-04-08
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portnoy Schneck, L.L.C. (NY)

I have received a letter from XXXX XXXX XXXX XXXX, a debt collector stating that I have to pay judgement due amount of {$42.00}, XXXX plus interest. They also sent a notice of garnishment from XXXX for total amount of {$63000.00}. They have been contacting my employer also. I do not know how they got judgment against me. I took a student loan between the year XXXX from a private company to study medicine in XXXX XXXX. The company stopped paying the loan after one year and I could not pursue my study further. Probably, the loan company was closed or bankrupt. Because of incomplete study, I remained unemployed for many years. I do not remember the amount of loan, but it is less than the debt collector asking for. In past, I received several letters from different debt collectors for asking different amount. I sent letters to few of them asking verification and copy of written agreement. I have not received any reply. I suspected inaccuracy and stopped responding. I was afraid of scam. 
I have also received another debt collector, Portnoy Schenck, LLC. letter in same week mentioning the judgement against me for {$16000.00} for the same above-mentioned loan. I got confused and suspected irregularities. Now this debt collector blocked my bank account. I have not received any registered post summon from the court for this case. 
The debt collector has to determine that debt is within the statue of limitations. They should provide copies of agreement and signed promissory note. How I will know the debt collector is authorized and not misleading. How Court can deliver one sided decision? How come two debt collectors can ask for the amount for the same loan?

Later, I took Federal loan and paying the amount in installments regularly. 
I am mentally very disturbed and does not know what to do. My bank amount is blocked. I, therefore, request please help me. I am enclosing the letters from debt collectors and copy of my letter to one of them. 
Thank you. 

XXXX XXXX
Consumer complaint received 2022-12-15
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. (MI)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXXXXXX # 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-15
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. (CA)

Hello, I never lived in XXXX before but there is a utility bill that I lived in XXXX and did not pay for the bill. and I find out the credit report company showing on my report. I call them contact them but they need to verify my information first. so today I'm trying to verify myself. and I'm reporting that there is wrong information on my credit report. I want the credit agency to remove the wrong information on my credit report. this is not me and never live there and use it for utility. this is should be identity theft from someone else and it's really not me. please remove this. please help me to find out whos using my information and please remove it from my credit report.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (TX)

was trying to purchase a home and pulled my score. notice some hard inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FREEDOM FINANCIAL NETWORK (OK)

I enrolled in a Debt Relief program with Freedom Debt Relief [ FDR ] in XX/XX/XXXXXX/XX/XXXX. I was told that it was better because they could better negotiate with creditors and often make deals with them. They, also, told me that it would help salvage my credit score that would normally take a great hit. This was important because I am in the XX/XX/XXXX and I can lose my job based on credit score. I made this clear to FDR. I agreed to pay $ XXXX month [ their estimate to settle the debts ]. They settled one of the debts in XX/XX/XXXX when I had accumulated {$3000.00} in my account. Having settled the account terms, FDR took {$2700.00} in fees upfront. They applied $ XXXX/mth to the settled account and take $ XXXX/month in fees. Having exhausted all the funds and applied the total amount toward the one account, there is no money to settle the other accounts. Now, I am told that I must pay more money in order for them to proceed with negotiations on the other accounts. In the meantime, my credit score has dropped from XXXX  to XXXX. It will continue to drop unless settlements are made. I discovered that one of the unsettled accounts, XXXX, DO NOT work with debt relief companies. I was not informed of this when I signed the agreement. Either FDR was not aware or they chose to withhold this information. I have difficulty believing that FDR was unaware that XXXX does not negotiate with debt relief companies as they told me they did large buyouts with them. I am, now, on my own to salvage my credit score and my job.
Consumer complaint received 2019-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX ( XXXX XXXX Texas XXXX ) for {$540.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$810.00} accounts which does not belong to me. So I am writing to exercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX ( XXXX XXXX Texas XXXX ) for {$540.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$3100.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970
Consumer complaint received 2022-12-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I sent a letter to TransUnion disputing the bankruptcy and the items including in that bankruptcy. I have asked them to provide documentation verifying this information as the furnishing of this information is a violation of my privacy ( 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ). TransUnion responded by stating that the court furnished this information. I received a letter from the court stating that they are not furnishers of data to my credit report and did not verify nor did they validate any information therein. I also received information from XXXX XXXX stating that the information being reported is unverifiable. With all this being considered, please provide how you verified this information. It is clear that TransUnion is reporting this information inaccurately and falsely. 

I have resubmitted another asking them to send me information as to how they verified this information and there has been no response.
Consumer complaint received 2017-05-31
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. (NY)

i found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,
Consumer complaint received 2022-02-02
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. (PA)

XXXX XXXX {$2600.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.