davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

Hi Team, Someone tried to submit the loan application behalf of my name and details and id and they submitted my id not sure from where they have pulled my details to apply a loan with XXXX XXXX XXXX. 

please help me.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (MA)

I was denied a federal loan because a collection agency, XXXX XXXX XXXX, reported two accounts to the credit bureaus, with different account numbers on the credit report I pulled and the credit report the loan company pulled. However, the actual account number from XXXX financial is a completely different number. I have contacted the company several times trying to obtain a letter stating the account is settled and that the credit reports have errors on them, however, I have not received any communication back.
Consumer complaint received 2022-01-11
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. (GA)

XXXX 2019 I ASKED THE CREDIT REPORTING AGENCIES TO UPDATE MY PERSONAL INFORMATION USING MY CURRENT MAILING ADDRESS AND DELETE ALL OTHERS THAT COULD BE USED FOR FRAUDULENT ACTIVITIES, I SENT SEVERAL MORE LETTERS REQUESTING THE ADDRESS UPDATE AND VERIFY THE ACCOUNTS ON THE REPORTS FOR INACCURICIES. ALL MY REQUEST HAVE NOT RECEIVED A RESPONCE OR CHANGE OR DELETION OF INACCURATE ACCOUNTS. DUE TO THEIR NEGLIGENCE MY CREDIT RATING HAS BEEN DAMAGED, IT'S BECOME MORE DIFFICULT TO SECURE HOUSING AND EMPLOYMENT BECAUSE OF THE INACCURATE REPORTING OF THE CREDIT REPORT AGENCIES. THEY CONTINUE TO FAIL VERIFIYING ACCOUNTS FOR INACCURUCUES AND THEY HAVE YET TO SEND PHYSICAL PROOF OF THEIR VERIFICATION FOR MY RECORDS. IT'S NOW BEEN 2 MONTHS SINCE MY LAST CORRESPONDENCE AND STILL NO RESPONCE FROM THE CREDIT REPORTING AGENCIES.
Consumer complaint received 2019-07-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (TX)

I have been receiving calls from Frost - Arnett. At the beginning of the call they advise that the call may be monitored or recorded. They ask if I am ____ ____, I say yes you are speaking with _____ _____. I then ask them what this is about. They then say they are a financial company calling me about a financial matter. They then tell me I will have to verify my date of birth and social security number before continuing to disclose the reason for the call. I advise that I do not release this information over the phone, and I do not believe I have any financial dealings with them. 

I further ask the name of there company, and who I am speaking with, as this was not provided at the beginning of the call. I was given the name of the company Frost - Arnett, and first name only of the person calling. 

I then further ask them if they are a debt collector, and are they attempting to collect a debt. The representative tells me they will not disclose the matter until I further verify myself. 
1. I have not received any notices from the company 2. I thought they had to disclose this as an attempt to collect a debt upon the person stating that they were speaking with the person they were calling.

3. I had a difficult time to reach a manager to voice my concerns regarding their practices. 
4. I advise them that they must disclose the reason for the call, and they failed to do so. 
5. Therefore, I requested no further communication from them, and that they dissolve any debt that they think that I may owe them, as they will not provide me any information. 
Is there any further action I can take against these deceptive practices? 

Thanks, Concerned Consumer
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (MA)

I was denied a federal loan because a collection agency, CKS prime investments, reported two accounts to the credit bureaus, with different account numbers on the credit report I pulled and the credit report the loan company pulled. However, the actual account number from cks financial is a completely different number. I have contacted the company several times trying to obtain a letter stating the account is settled and that the credit reports have errors on them, however, I have not received any communication back.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ACRANET INC (IL)

FALSE INQUIRES LISTED ON CONSUMER REPORT ( NO ACCOUNTS ASSOCIATED FOR THE FRIVILOUS INQURIES ) -XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX -ACRANET - XX/XX/XXXX XXXX -ACRANET Mortgage Reporters XX/XX/XXXX XXXX -ACRANET-100 Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX -ACRANET - XX/XX/XXXX XXXX -ACRANET Mortgage Reporters XX/XX/XXXX XXXX -ACRANET-100 Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2018 I instructed verbally and in writing Attorney XXXX NOT to use my CREDIT CARD. He used it anyway. I request a REFUND on my XXXX card.
Consumer complaint received 2017-07-23
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: JPMORGAN CHASE & CO. (MD)

Chase is making it very difficult to honor a referral that I made to an individual for applying for a credit card. I sent multiple emails that the individual never received and then called the day prior to the individual signing up for the card to verify that I had indeed been attempting ( in vain ) to refer this person. After agreeing that I had made attempts to refer the friend to the credit card they have now been difficult in applying the credit to my account. It 's not resolved but they say I will be credited. Waiting to see, after several phone calls ( which I should n't have had to make ), if they will follow through.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MD)

My card was hacked and the culprit took XXXX and my bank allows my paycheck to be deposited into this account when I called them with this information they simply canceled the card and didn't investigate the fraud nor refund my money and my payroll check goes into that account please help me
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (NV)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$510.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$71.00} ACCOUNT NAME : ACCT XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$140.00}
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CA)

These Diversified Consultants Company is a debt collection vendor that has been using a bunch of random phone numbers with my area code but they are located in Florida and try to bait you to answer their calls. I have spoken to them to send me mail regarding this debt collection but they have neglected to send it to my address. The harrassment has started back in XX/XX/2017, for a collection amount on a phone bill for more than {$2200.00}. Which is ridiculous! They call multiple times throughout the day and I cant stand them anymore!
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These people are monsters! Blocked me from being able to email them documentation and their requested information via their secure links so that I can not state my case for my disputes, which means I automatically lose! Called Capital One three times and spent 2 and a half hours in total over this and got NOWHERE!!! Just 2 and a half hours of my life I'll never get back and a boatload of aggravation!! Two agents shifting the blame on me stating I need to try using a different device or browser.. Third agent after the third time I called, admitted they actually put a block on my account which prevents me from being able to submit documentation via their links!!! These people are nothing but a bunch of shady characters who treat their customers like garbage and the Federal Reserve should shut them down! If they're not going to take the block off then they need to automatically award my disputes in my favor!! If I mail in my documentation, based on what they did with my account, they're just going to lie and say they never received anything! With emailing it, you get a confirmation it was received along with a reference number. Mailing it gives you nothing. I would have to send it via certified mail, and I'm not going to A -- be inconvenienced by having to drive out of my way to the post office, and B -- pay to send out mail all because Capital One wanted to play these wretched and despicable games!
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (FL)

In credit XXXX  app, XXXX still has not updated my waypoint recourse acct. on XX/XX/19 I paid full balance of {$100.00}. XXXX  still has derogatory remarks Im trying very very hard to fix my credit
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

Dear, XXXX hospital, debt collector and credit agencies ruin my credit record/financial record. I had a deductible health insurance in 2XX/XX/XXXX. We have XXXX kids and their primary doctors were from XXXX hospital. We never had issues in 9 years with them, all bill were paid and no obligatory record yet. In XX/XX/XXXX, we had couple emergency visits in XXXX XXXX Hospital and a few doctors follow up in XXXX. I had a total of {$2600.00} deductible/year. Out of that I paid {$1300.00} for my portion and {$1300.00} left in total for family. My son was recommended some therapies in XXXX hospital. The XXXX XXXX hospital used wrong medical code for billing and sent me tons of bills. I had contacted XXXX in their billing department several times and other later on. None of their people helped me. Then I reached to my insurance facilitator XXXX XXXX and that was finally resolved. Later on the primary health care unit of XXXX acquired by XXXX XXXX hospital. Then our nightmare starts. Newer management start to send several bills without processing through insurance company. I called several times but never worked to my case. I made some payments worrying about bad. At the end of XX/XX/XXXX, I got mails and calls from another fraudulent debt collector American Adjustment Bureau,  XXXX, CT to collect a {$750.00} & {$120.00} bills. I told them, the insurance records shows that amounts were paid out and asked them to find the reality and send me the final bill if I still owe. They did not do that. At the same time, I reached XXXX XXXX, a broker agency to XXXX who have similar unprofessional XXXX. They changed words and fake report several times. All these agencies put me in trouble and I did not know what was going on. At the begin of XX/XX/XXXX, the debt collector reported my debt to credit bureaus. Then, I called debt collector, hospital and XXXX XXXX why they did that. The XXXX XXXX told me they paid bill in my daughter instead of my sons account. I already cleared my daughter bills but, the XXXX hospital, CT took money from me and insurance. The Connecticut XXXX Hospital overpaid {$340.00} for XX/XX/XXXXand still tried to collect from me. I paid out the due in my son 's account per their final work. The hospital assured me to send the overpaid money back and correct the credit report. Both things never happen yet. I filed complain in Better Business Bureau, The XXXX & XXXX both show the records deleted from record however, my credit score is veered off and collection record is still there. I never got the money from the XXXX hospital that I overpaid, the XXXX hospital still trying to still me and the hospital along with American Adjustment Bureau ( debt collector ) destroys my credit record. It is a big fraud. I am a hardworking of XXXX little children and this fraud destroys family.
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc. (IL)

DEBT COLLECTOR IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE, THAT WAS A RESULT OF IDENTITY THEFT. THE DEBT COLLECTOR IS USING FALSE AND MISLEADING TACTICS TO ATTEMPT TO COLLECT A DEBT NOT OWNED BY THEM.
Consumer complaint received 2019-07-19
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bierer Law Group, P.A. (MD)

I, XXXX XXXX have been abused for years on a privatized student loan debt that is no longer enforceable in the state of XXXX. This debt was originally procured through XXXX XXXX XXXX, then assigned to XXXX XXXX XXXX XXXX XXXX XXXX. Now I was living in the state of XXXX   when I dropped out of college several years ago. I have been harassed with multiple collection agencies for these years. The statute of limitations for XXXX is 5-years. Since I now live in XXXX   the statute of limitations is 3-years. This student loan never had a connection to the U.S. Department of Education. However, for years I have been harassed by a company known as XXXX XXXX. This agency has moved this collection to my personal credit report as well as my mothers credit report. Now the scam has gone to a new level of corruption. XXXX XXXX has no standing legal collection process. So recently they assigned the collection to a law firm known as The Bierer Law Group, P.A., located in XXXX, XXXX XXXX. An agent that has my power of attorney made a settlement offer on two occasions. There is not even a requirement to settle the matter. An individual from this law firm stated that their client has refused both offers. When a demand for the law firms client was, the name was refused. We all know that this is XXXX XXXX trying a new threatening method trying to collect a debt no longer owed. The timeline for summary judgment has passed for both XXXX and XXXX. This aggressive collection practice is a clear violation of the Fair Debt Collection Practices Act. The third-party must always be presented, and this is not the case in this matter. The one-time settlement offer presented by my agent is still on the table until XX/XX/2019. After that date, I will file a complaint against Bierer Law Group, P.A. with the XXXX  XXXX XXXX. 
In XXXX, the statute of limitations requires that a law suit be filed within 3 years for written contracts, and 3 years for open accounts, such as credit cards. For credit card debt it means the date of the last activity on the account or the date the account was written off as a bad debt was at least 3 years ago. This means that if your account is older than 3 years you can raise the statute of limitations as a defense to the complaint. However, the statute of limitations only covers the right of the creditor to sue you in court.
Consumer complaint received 2019-07-19
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)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NC)

XX/XX/XXXX received letter from Synchrony Bank our account was sold to XXXX XXXX XXXX for nonpayment XX/XX/XXXX @ XXXX XXXX spk/w XXXX to explain problem XXXX XXXX spk/w XXXX re same as above XXXX XXXX  spk/w XXXX re same XXXX XXXX spk/w XXXX Synchrony Bank re same XXXX XXXX  spk/w   XXXX Syn. Bank Customer Service Fraud who informed our account was closed. Will check on problem and send letter of resolution. Call ended @ XXXX. 
To all representatives we explained we had not a received a bill, paid {$34.00} XX/XX/XXXX, which left account paid in full. Did not remember making a purchase a year before and felt if we had, we would have received a bill. 
XX/XX/XXXX received a welcome from XXXX XXXX XXXX. Also sent CEOs of Synchrony Bank and LOWES a letter describing our plight. Received calls from both. Described plight again. Synchrony said bill returned by USPS unknown at address. When asked what was purchased, Synchrony said no. When asked if we could see the returned envelope, Synchrony Band again said no. Synchrony also stated no further bills were sent nor any phone calls made regarding this now cancelled account. 

XX/XX/XXXX received letter informing us the amount of purchase only {$95.00}. 
XX/XX/XXXX received letter from SB stating as we did not provide any information or documentation we now owe {$370.00} plus interest charges.
Consumer complaint received 2019-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MA)

I received a letter from Midland Credit Management threatening to take me to court over an old debt. This is the first letter that I have received from them. I called to ask them to mail me a validation letter and that I would happily work with them if they did so. They kept asking me if I was admitting that the debt was mine, I explained that I can not do that because I need a validation letter to review. They stated that they sent a letter in XX/XX/2018 to an address that I did not live at during that time. They then changed their story and said that they mailed it to a different address in XXXX of 2018. I was transferred a total of 3 times and each person provided different conflicting information. I repeatedly asked for a validation letter to be mailed to me. They refused every time and said that they would only review this over the phone with me. I stated that I would not do that because they're known online for going back on their word, and that I am requesting the validation letter be sent because I never received it and would like to investigate this matter. They again refused and I disconnected the call.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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
Consumer complaint received 2019-07-19
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. (KS)

XXXX XXXX has reported a business account to my personal credit bureaus. 

This was for a business and not my personal account. XXXX XXXX has refused to remove the account from my personal CBR. Also, the representative informed me the account has been sold to nationwide credit. Previously I was informed the account was not going to be sold, however today I was told it was sold. I requested 4 months worth of statements from 2016, they said they would send them to me but never did. I asked for these documents dozens of times. 

XXXX XXXX hasnt sold the account to any agency. However I was told it was by XXXX with XXXX XXXX. Her ID XXXX. They have lied to me over and over again. I confirmed with the collection agency was it sold. 





XXXX XXXX XXXX XXXX XXXX pa, XXXX