davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
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. (GA)

I have made several calls to this company to resolve a debt for identity theft I was sent out a affidavit to sign and ask for a police report. I fax it over to the company back in XXXX at that time was told the police didnt have company name that I would need a new one. On XX/XX/22 I faxed over a new police which is now saying they havent. On XX/XX/22 I spoke with a very nice supervisor which reached out to the team that received the documents to find what was going on I was told to call back later to see if they responded since then I have called back and havent received no help. Today XX/XX/22 I spoke with a very rude supervisor by the name of XXXX where I was told she short staff I either wait for documents to be uploaded or pay the bill cause there nothing else she will be doing. I believe that was very unprofessional and rude her job is resolve the issues and do what they can to help customers I dont feel she was doing so. But moving forward due to her I rudely behavior I dont believe this company is taking the appropriate steps to clear up this account
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Avant Holding Company, Inc. (CO)

I have been having an issue with Avant Financial which is the credit card issuer. Since around the end of XXXX I have not been able to login or access my online account either on Avant 's website or their mobile App. I have tried contacting them over 8 times with my initial contact on XX/XX/22 at XXXX XXXX  mountain time and have never received a response. I have reached out on their XXXX, XXXX and XXXX and have gotten no response either. 

Every time I call or get a call from their agents they are unable to access my account and constantly tell me " Our system is undergoing maintenance '' and that is the same message I get when I attempt to login to my account. I have tried resetting my password and still get the exact same issue. 

When I have called and set up a call back time with a supervisor I get no response, besides " we have escalated this call '' and " there is no supervisor available '' every single time. 

I am not getting any statements and occasionally I am getting emails with different people 's names instead of mine. 

I have been charged late fees and interest, non-payment records have been reported to my credit report and I still get zero support when I contact this company.
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: Experian Information Solutions 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 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: EQUIFAX, INC. (NJ)

Multiple accounts on my credit report I do not recognize XXXX XXXX {$3500.00} XXXX  {$400.00} XXXX XXXX {$400.00}
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

Earlier this year, about mid XX/XX/2019 my Equifax score dropped 50 points in one day. I have talked on many occasions`to customer service and supervisors about this pro blem. I can't get any answer as to why score took such a big drop. No one at Equifax can answer this question.
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. (GA)

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, who's studying XXXX 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
Consumer complaint received 2021-07-22
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: CITIBANK, N.A. (NY)

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report.

CITIBANK N A Account ID : XXXX I submitted sufficient information for performing a reasonable investigation of my dispute. Unfortunately, they neglected to do so. If they would off had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though three Bureaus claims to have this verified. Depending solely on flawed e-Oscar system has proven to produce less than accurate and fair information. I request Bureaus take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.
Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain mortgage.
Consumer complaint received 2019-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (GA)

I was contacted by a collection agency stating that I had an account with XXXX XXXX. This is not my account. When they attempted to verify my social security number they realized that my social security number was NOT on this account. I have contacted them about this and have not received any assistance. I never opened this account. The account balance is {$320.00}
Consumer complaint received 2019-07-19
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: CREDIT ACCEPTANCE CORPORATION (GA)

section 609 of the fcra states that there must be written consent from the individual for a hard credit pull ive noticed several in which i gave absolutely no authorization also usc 1681 states the same where there is no signature this is an unlawful act and is subject to punishment in a court of law there are several that im completely unaware of
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX has been false reporting my credit for the last XXXX -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after my car accident they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( denied ), XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX listing a collateral of XXXX XXXX " XXXX XXXX '' my car was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX on XX/XX/XXXX, XXXX XXXX XXXX  # XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX Reference # XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX at a XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX {$31000.00} XX/XX/XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Score XXXX, XXXX XXXX XXXX XXXX score XXXX on XX/XX/XXXX XXXX XXXX XXXX  # XXXX on XX/XX/XXXX, By turning account into a charge-off they are able to keep account on the credit report inaccurately
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

I have received multiple calls from Portfolio Recovery Associates starting XX/XX/21 and each phone call is from a different number. The last phone call was on XX/XX/21 from XXXX. 

On XX/XX/21 I answered the line the individual wouldn't state who they were or why they were calling but wanted me to provide information confirming my identity. I refused and the call was disconnected. 

I declined the incoming call on XX/XX/21 and called back to discuss why I keep being called. The individual stated that they could not review any information until I confirm my identity. I refused and explained they were calling me no left a message in regards to who they were trying to contact or why. The lady became rude and disconnected the line. I called back and the next gentleman I spoke to I explained that I do not have an account with their company and if they wanted me to provide my information over the phone they would need to provide me with physical documentation before I provide identify information over the phone or they can remove me from whatever call list they have. The gentleman stated he was not going to provide me with information through the mail as I have not confirmed my identity and disconnected the line. 

This company is rude and unprofessional and may be collecting information falsely from individuals.
Consumer complaint received 2019-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AZ)

I haven received calls at XXXX every morning for this week from this company ( Navient ). I explained to 3 different reps that I was homeless last month and am currently no longer living at the zip code associated with my loans and they argued with me there is nothing we can do we go by the zip code and the area code off your phone number and when I explained that I havent changed my phone number but I now live in XXXX and not XXXX therefore a different time zone they still argued with me and gave me a hostile attitude. I have only missed 2 payments and they are harassing me calling me every single day and even leaving me voicemail messages when my voicemail explicitly says not to. The harassment has to stop I can not make a payment at this time I am unemployed and I just moved into a home as I was HOMELESS and literally found out I am pregnant the day I got to AZ, and have been so sick I am unable to look for a job as the XXXX is causing me to be severely ill and dropping weight rapidly. I have XXXX other children to take care of and the fact that Navient calls me at XXXX every morning forces my daily XXXX  to begin early, therefor making me sicker for longer portions of the day.
Consumer complaint received 2021-07-22
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: Credit Karma (ME)

Credit Karma , Inc. refuses to update my legal name after over 60 days since XXXX  provessed my legal name change on XXXX XXXX. Due to the name discrepancy, I have been unable to withdraw {$10000.00} of tax return funds to my external bank accounts. Credit Karma representatives claimed multiple times over the course of 2 months that XXXX  needs to update my name first when it had already been updated previously. 

I have submitted all related documents to prove the legality of my name change and repeatedly requested for investigation and clarification, but I was never given a clear status on their through their customer service line. To this day I have no way to access the funds due to Credit Karmas negligence.
Consumer complaint received 2019-11-13
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 (MA)

These are the payment remarks that is very inaccurate. 
For XXXX, right after late 90 days its late 150 days and also it is not similar to the remarks of the other credit bureaus. Though I don't believe that I was ever late on this account. I am asking the for documents to prove it. 

XXXX 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX  150 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX  OK 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (CA)

I HAVE DISPUTED THIS ACCOUNT MANY TIMES STARTING BACK IN XX/XX/15 I CONTACTED TRIDENT ASSET & DISAGREED I WAS ADVISED I NEED MORE DATA, I PROVIDED TWO RECIEPTS SHOWING I TURNED IN ADDITONAL CABLE BOXES AT A LATER DATE, DATED AFTER I SURRENDERED MY SERVICES WITH XXXX, ( 1 ) DATED ON XX/XX/13 SHOWES I WALKED IN MY DEACTIVATED EQUIPMENT AT A XXXX LOCATION IT SHOWS 3 CABLE BOXED & 1 WIRLESS ROUTER & XX/XX/13 I WALKD IN AN ADDITIONAL BOX THAT WAS A DEFECTED, IT 'S A SEPARATE RECEIPT SHOWING THAT I WALKED IN ANOTHER CABLE BOX, THEY CAME BACK WITH THE SAME RESPONSE I OWE THIS DEBIT WITHOUT A WRITTEN EXPLINATION INCLUDING A BILLING BREAKDOWN OF THE CHARGES, HOWEVER TRIDENT SENT ME A INCOMPLETE BILL THAT ONLY HAD FOUR PAGES & FAILED TO PROVIDE AN ITEMIZED BREAKDOWN OF THE CHARGES INDICATING I OWE THE BILL THAT HAVE BEEN GIVEN TO ME DOES NOT STATE ( 1 )  DETAILS OF CHARGES WHICH WOULD SHOW THE TYPE OF SERVICES I RECEIVED, SUCH AS INTERNET & PHONE BUNDLE ADDITIONAL SERVICES & EQUIPMENT FEES & OTHER CHARGES, I HAVE CONTACED TRIDENT THERE AFTER ON MANY DATES XXXX & XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX TO CURRENT XX/XX/XXXXAND DISAGREED EACH TIME WITH TRIDENT THAT THIS IS A BILLING ERROR, & I HAVE REQUESTED EACH TIME TRIDENT ASSET PROVIDE ME WITH A WRITTEN EXPLINATION PROOF OF CLAIM & CLARIFICATION OF CHARGES WITH VALID VERIFICATION PROOF, IN WHICH TRIDENT CA N'T PROVIDE VALID PROOF SHOWING HOW THIS MONEY IS OWED, THEY ONLY CAN PROVIDE AN INCOMPLETE BILL THAT HAS NO BREAKDOWN. THIS IS FRAUD I FEEL THIS COMPANY IS TRING TO EXTORT MONEY FROM ME, I 'M REQUESTING THAT THIS BE REMOVED ASAP IT 'S CAUSING HARDSHIP & HENDERING ME FROM MOVING ON. TRIDENT FAILED TO PROVIDE VALIDATION OF DEBIT.
Consumer complaint received 2015-04-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (WA)

I continue to ask XXXX to validate this debt. I 've never received a copy of the credit application for XXXX. I 've never had an individual XXXX account, I have a current joint account with my wife with XXXX.
Consumer complaint received 2019-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (KY)

I started to use coinbase, made 2 transactions and possible a third, I made a request to double check to see whether I was charged in error and if my funds are there. They locked my account pending investigation. Now close to 2 months I call and they send me to use the email. I sent email they say my case is in work. No human contact what so ever. This is above and beyond. I sent numerous email and they all say the same thing. 
I want my account unlocked or return my {$88.00} dollares. This is way to long. 

Here is what they always say, and I can not reach anyone. WORST COMPANY EVER! 
Hi there, Thank you for your patience. 

This issue is being addressed by case XXXX. Please use that case number to communicate with us and track current developments involving your issue. 

If you are waiting on a response from the account specialist, please reply to the case number mentioned above in writing. This is to ensure the account specialist working your case is notified.
Consumer complaint received 2019-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

XXXX XXXX - Original Date XX/XX/2014. XXXX XXXX started billing me for a " box '' that was included in my HOA fees back in 2014 for " On Demand '' services that I never ordered. I advised them on XX/XX/2014 that I never ordered this service as the " box '' was located in my guest room which was never used. I was verified by a XXXX Employee that this service was never used and asked that I return that box and they would reissue me a different box that did not have this service. I have the receipt when the box was returned and reissued me a different box that did not have this service. I have copies of bills from XXXX from XXXX, 2014 showing XXXX   due because it took me 6 months to get this resolved with XXXX. 

Now I have a collections on my credit report as of today with a balance of {$57.00}. 

This is totally incorrect and the Open Date showing on my credit report shows Invalid Date. 

This is totally bogus and has caused a great deal of effort to eliminate and yet it comes up again. 

Can someone please try to correct this? 


I tried to call Credit Management LP to rectify this but they wanted too much of my personal information and I have already suffered from Identity Theft in the past and refused to give them the information they were requesting ( i.e. SSN, etc. )
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates (FL)

Prince Parker & Associates did not properly inform me of the debt to be collected. They did not verify the alleged debt. Also, as of XX/XX/2022, they withdrew their bond and application to collect debt in XXXX There is also a rejected filing for the company on the State of XXXX Division of Corporations.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I have had a checking and savings accounts for years with chase. I went to a drive through ATM Chase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch. I tried to withdraw {$700.00} dollars. Everything went well until point where machine sound of counting money appeared a message on screen stating unable to give you cash at this moment. I stayed there a few minutes, logged in into my phone Chase mobile app and saw that - {$700.00} transaction followed immediately by {$700.00} credit which I thought had fixed the issue. Went around and used the ATM next to it and was abled to withdraw {$500.00} with no problem. Days later I saw - {$700.00} and called them. They opened an investigation and gave me {$700.00} credit back. Then today I checked again and saw a - {$700.00}. They took away the credit and so I called them again. They hung up after 25 mins and I called again then they stated the investigation was not on my favor and it was closed and if I didn't have probe don't even bother and investigation could not be reopened. I asked them they have access to my accounts, they have access to the ATM cameras and the rudely stated it was closed and money was missing so I was responsible for that. I am extremely shocked, I feel robbed and me being a loyal customer for so many years and they are okay with taking my money when obviously there are ways to probe money was never given to me by the ATM. Each ATM has cameras and they are refusing to help me. 
Please I need help and guidance, I don't know what else to do. I am a mother of XXXX and every penny counts for me and mi little ones.