davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK (CA)

I was sued by Discover Card after failing to keep up on payments. I was without an address for many months and not receiving their letters. Because of the company 's inability to contact me in XX/XX/XXXX, they took legal action to collect those funds and were awarded a judgement in court. 

I was served legal papers by a representative of the bank as soon as I was able to establish a permanent address. I immediately contacted the bank to make payment arrangements and established a plan. 

After moving from XXXX  to XXXX, I found myself unable to keep up my payment arrangement. I contact the attorneys for Discover at XXXX XXXX in XXXX XXXX, XXXX to let them know this in XX/XX/XXXX and was told it would be ok to contact them in the summer to resume payments. The women I spoke with was quite friendly, too, which was a huge departure from the quite rude and judgmental male I generally speak with concerning my case. 

In late XX/XX/XXXX, I attempted to use my bank debit card and was declined at the store despite having money in my account. I was informed by my bank that Discover had placed a garnishment on my account to recoup any possible money coming in and that the garnishment would be in effect until XX/XX/XXXX. I was unable to use my account for over a week because of this. 

I feel it was deceptive for the bank to have told me it was ok to temporarily halt payments, then take this course of action. I generally received phone calls from the law firm when there was a pressing issue to deal with ; I received no such courtesy from Discover 's attorneys prior to the garnishment. The company assumed I was just ignoring my debt. They said they would have to review a recording of my phone conversation with their representative to corroborate my account of events. 

I no longer feel like I can trust the agreements I make with this firm over the phone or even in writing, and I don't have the money for a lawyer.
Consumer complaint received 2017-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

We wrote a check on XX/XX/XXXX to XXXX for {$57.00}. It was stolen either from the post or XXXX. The check was then forged for {$5800.00}. Citibank cleared the check. We noticed the error during regular accounts checks and reported the crime on XX/XX/XXXX to Citibank. The check was clearly a forgery as all our checks are purchased from Citibank and have Holograms, this one did not have a Hologram. Also the check was written out in English and XXXX which we have never done. We were informed the process could take up to 90 days but they would credit us the funds and then investigate. This was never done. We visited Citibank and called them on a number of occasions and we were always told that the funds were not replaced as they were still investigating. But we should not worry as they were sure to replace them. We received a letter Citibank saying they will not replace the funds as the signatures matched. We lodged a dispute with Citibank against this decision.
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MD)

This complaint is for the timeshare company XXXX. I've previously disputed account XXXX XXXX and was deleted from my credit reports from all 3 credit bureaus ( XXXX, XXXX & XXXX ) . However, a new item appeared in my credit report with the same account number XXXX but under a different account name " CCB/XXXX  '' and is reporting negative under XXXX only XXXX This is the same account from CCB which stands for " Comenity XXXX XXXX ''. I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down due to this as well. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i contacted transunion on XXXX to inform them that my credit monitoring alerted me that my account had been accessed. the transunion rep stated she could not remove the inquiries, although i had advised her that there was a fraud alert on my file. 

XXXX XXXX Miscellaneous XX/XX/2021 TransUnion XXXX Finance/Personal XX/XX/2021 TransUnion XXXX XXXX  Miscellaneous XX/XX/2021 TransUnion XXXX XXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX Finance/Personal XX/XX/2021 TransUnion
Consumer complaint received 2022-09-28
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)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$16000.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Consumer complaint received 2022-01-28
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. (MO)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

As a consumer I recieved a copy of my credit report, with reviewing my credit report I have notuce that LVNV have been violating my rights as a consumer, they are harassing me, defaming my character, jeopardizing my family, hurting my future, according to 15 USC 1692 they have to pay {$1000.00} per violations. The list of violations are 15 usc 1692 b2, 15 USC 1692 b ( 4 ), 15 USC 1692 c1 ), 15 USC 1692 c, 15 USC 1692 d, 15 usc 1692 f. I have attached an copy of my FTC, License, and SSC.
Consumer complaint received 2022-01-28
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. (MO)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2021-05-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX had a fraudulent account started in my name. I have contacted them numerous times and they have not answered any of my phone calls or emails. I also talked to experian, today and they said that they are going to look into this, and no more than 5 minutes later I got an email stating that their investigation was complete.
Consumer complaint received 2021-05-18
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: I.C. System, Inc. (TX)

My credit report says that XXXX XXXX sent a balance of {$2100.00} to a collections agency to I C Systems with an opening date of XX/XX/2020. I have never done business with XXXX and I have not received any information by mail or telephone about any debt that I owe from I C Systems. The amount is suspiciously the same as an amount from another collections agency that I reported and was found fraudulent. I have disputed this charge, but nothing has happened yet.
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I pay my mortgage every month via monthly bill pay. I do not have access to my mail for months at a time. Ditech reassessed my escrow payment and charged me more then started charging me {$23.00} for the {$31.00} short payment my bank automatically made. This is not a late payment and when I asked for the exorbitant fee to be returned all they can say is we can not do that. They are charging almost 100 % fee on the short payment and that is usury at the very least. I have had many other problems with Ditech mostly because they can never seem to receive a fax. I have been required to send them faxes to resolve issues and they never receive them. They then charge me fees or report me to the credit bureaus ruining my credit. They are bullies and need to be disbanded. I would ask to be moved to another mortgage servicer if that was possible. Please help me stop the dishonest in my opinion criminal practices of this bully of a company. 

XXXX XXXX XXXX.
Consumer complaint received 2015-04-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC. (CO)

I received a message from the collection agency stating they were called XXXX XXXX Law firm saying that my name and phone number was involved in an invention and that my returned call was required to show that I was compliant. I called them bck and spoke with a man that sacked me if I was XXXX XXXX. I explained that I was. He than advised me he was trying to collect a debt for Check Into Cash. I tried to explain to him that I was willing to pay XXXX a month to pay off the debt he explained that he could n't take that amount that he could do XXXX with XXXX payments over 3 mos. I explained I could n't pay that I only make XXXX hour plus tips. He than advised me that he could n't do that and that he would forward my conversation to XXXX County court that I was unwilling to work on settling the debt at the very end of the call he advised he was recording the call and hung up. That same evening XXXX XXXX XXXX 2015. I received another call from the same number listened to the voicemail and it was just music. That next morning XXXX XXXX 2015 I received another call around XXXX, Spoke with a lady I explained to her that if she was recording the call that she needed to advise me at the beginning of the call not at the end as the man I spoke with the day before did n't do. She stated " I SEE YOUR a waste of time and I will forward this.to our process server and see you in court '', and hung up. I called them back and.spoke with another man advised him that I did n't appreciate the way they were representing XXXX XXXX themselves as a collection agency and that I was try I.g to resolve the debt at this point he advised me he was XXXX garnish my wages for the debt. the man would not let me.speak kept interrupting stating that he could n't hear what I was saying. The called ended. I do n't know if they are an attorney or a collection agency they disnt give me any information such as collection address or any other identification.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

I have tried multiple times to contact Macys regarding the closure of my account. Each time I call, I am told by a customer service agent that a manager will investigate my account and call me with results within 3 business days. And I never receive a call. I have told them I am happy to make the payments once someone resolves the issue at hand build no one follows through. My Macys account was closed by the store because they claim I called in and demanded they close my account. I promise you, if there was such a call, it was not me. I have had it with Macys and their lies. I need them to open my account back up and take these lies off my credit report once and for all. AND HOW CAN THEY CLOSE MY ACCOUNT IN XXXX IF IT WAS CLOSED THE MONTH BFORE. The customer service is terrible. The follow through is garbage. All I asked was for someone to listen to the call that was made in XX/XX/2021 when I supposedly called in. If anyone does that, they will clearly see it was someone pretending to be me. But they probably lied about that too! This needs to be fixed because I have worked too hard at rebuilding my credit just to have it destroyed over a companys lies!
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I started the car loan in XXXX, the car was XXXX in XXXX after making payments, XXXX realized it was mistake and released the car immediately with no additional fees, the next month I saw a fee for XXXX dollars when I questioned it they told me they have the right to charge since the car was picked up, I was not late and made payments see attached. 
In XXXX, the car was list as destroyed by natural disaster, at the time the car was total out but XXXX could not confirm the information requested by the insurance company, so the claim was never granted. XXXX closed the matter even though I was still making payments. They conveniently came back in XXXX and open the account. In XX/XX/XXXX, XXXX came an repo the car, I was making payments. 
XXXX is a fraud, they do not honor their payment extensions, they do not post payments correctly and they are inaccurately reporting this account to all three credit bureaus. They have this account listed as repo in XX/XX/XXXX, and that they have no information on me paying in XXXX. They are hurting my credit and me obtaining a new vehicle because of this inaccurate information. They say I still owe XXXX after paying from XXXX XXXX, my loan was up in XXXX. So how did my credit report get updated to reflect a repo in XX/XX/XXXX.
Consumer complaint received 2022-09-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file and listed on my credit report are : XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit A*R, Inc. (FL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In XX/XX/year> I obtained a copy of my credit report after dealing with fraud, and denials due to inaccurate information reporting on my credit report from the companies listed below. 

XXXXXXXX XXXX XXXXXXXX Status : XXXX XXXX XXXX. XXXX Account Status : OK XXXX XXXX  Account XXXX : Closed XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) Status : Reporting 30 Days Late -- -This account is paid off and should be removed. 
XXXX XXXX Remarks : Voluntary Surrender ; Status : Unknown -- Not accurate XXXX. XXXX Status : Collection/Charge Off XXXX. XXXX Status : OK XXXXXXXX XXXX XXXX Status : Collection/Charge-Off XXXX XXXX XXXX Status : Collection/Charge-Off XXXX. XXXX Account # : XXXX Status : Collection/Charge-Off XXXXXXXX XXXX Status : Collection/Charge-Off XXXX. XXXX XXXX XXXX Status : Collection/Charge-Off
Consumer complaint received 2022-09-27
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)

XXXX and transunion have refused to properly investigate I the consumers credit file regarding a collection that has been effecting my financial life, XXXX has deleted the inaccuracy but the other two CRAs haven't. 

The debt collection agency ( XXXX XXXX XXXX ) has failed to validate the debt after I requested a validation via mail certified, which is a violation of 15 U.S. Code 1692g - Validation of debts. being so such information shouldn't be furnished in the first place SEE ATTACHED-