davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (MD)

I noticed multiple Auto loan inquiries on my Credit report all dated on XX/XX/2022. I have reached out to the individual companies and was told to dispute this information with the CRA. I requested that the Equifax and the inquiry company provide proof of my instruction to allow several hard inquiries. I had to freeze my credit report when this initially happen.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Beyond the last few months I had a perfect payment history and take paying my bills seriously. I recently lost my job and was going through severe financial hardship even losing a place to live so I have not had the money to pay my card with Capital One. I spoke with multiple representitives pleading for any other options or things they could do to not put negative remarks on my credit or work with me and was told they could not do anything whatsoever about late payments. This has resulted in my credit dropping over 50 points and has destroyed my ability to get any type of loan.
Consumer complaint received 2019-02-12
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: ENCORE CAPITAL GROUP INC. (CO)

I contacted Midland funding and requested debt info the guy told me he could not give me the info and that I needed to contact XXXX XXXX XXXX. I asked who owned the debt and he said Midland funding so I told him by law they are required to give me the info since they are also reporting to my credit. They refuse to give me info. I also stated that if the original creditor was XXXX XXXX that the statute of limitations has expired. I have tried to dispute this several times with no results.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my credit report. 
XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil liability for willful noncompliance [ 15 USC 1681n ] Also, some of the above accounts are 4 years old or older..

Texas and Federal Law *Section 16.004 of Texas Civil Practice and Remedies Code. 
THE STATUE OF LIMITATION ON A DEBT IN TEXAS IS FOUR YEARS *Section 392.307 of Texas Finance Code THIS SECTION OF THE LAW INTRODUCED IN XX/XX/XXXX, STATES THAT A PAYMENT ON THE DEBT ( OR ANY OTHER ACTIVITY ) DOES NOT RESTART THE CLOCK ON THE STATUE OF LIMITATIONS.

THE ACCOUNTS 4 YEARS OR OLDER MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IL)

I've been having problems with a XXXX XXXX XXXX  since XX/XX/2022. I started to receive both internet and cable bills from XXXX XXXX XXXX under my name from my parents address. I did not know that my parents had opened up the XXXX XXXX XXXX bills under my name until I received this mail. I filed a police report, and several disputes within XXXX XXXX XXXX. I even have text messages proving that I did not authorize my parents to open up the account in my name. Even after receiving a notice that I would not be held liable ( attached ) from the XXXX XXXX Department, I continued to receive bills for the internet and cable before my parents transferred the accounts over. Now, a creditor reached out from Credence Resource Management , LLC on XX/XX/2022 to collect on account XXXX.
Consumer complaint received 2023-01-04
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

My Lowe 's store credit card is managed by Synchrony Bank. They refuse to send me paper account statements by USPS, or an email, and then claim that I owe a {$25.00} late fee when my payment is not received by the due date. I have repeatedly notified them that they need to notify me when there is a balance due but they continue to ignore those requests.
Consumer complaint received 2019-09-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX  ; Experian and XXXX are reporting incorrectly ( 120 ) days late on XXXX XXXX. ( Please see attached spreadsheet with account number along with pages 7 13 of my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

I've been requesting since last year verification & validation, according to the FCRA. This company has been given Section 623 letters of the FCRA and have refused to provide me with any physical proof regarding this account. I informed them that the original creditor is not XXXX accredited, their business can't be found through CFPB website, they have no website or email address, they don't give information over the phone, and they don't have any contract between them and myself ... That being stated, why is this on my report?! I don't even know who the heck these people are! This is my THIRD time reporting them to a higher agency/bureau. I've given them my social yet they state I haven't given enough information? That's XXXX!
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp. (OH)

Never had possession of the vehicle when financed on welcome call they knew!! So many out of pocket expenses that were never covered by limited warranty Only had possession of the vehicle for about XXXX XXXX months the loan was suppose to restart Never received any calls for collection except twice no right to cure letter also the company was deceptive by sending emails from agents verses business name
Consumer complaint received 2023-08-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

As per the original complaint, XXXX XXXX XXXX XXXX sold me a service using false information and when I attempted to use the warranty a year later, they informed me of the real rules and services.

Except, even under the 'actual ' rules, they failed to provide timely service, with a contractor keeping me hanging for 6 weeks.

I tried to resolve with them; tried to book additional services that they rejected immediately, and ultimately asked for a full refund and a cancelation of my contract.

They refused.

Bank of America did nothing to resolve ; I reached out to the FTC and CSPB, and was assigned XXXX XXXX from BofA to resolve. I just received a letter of denial and was on a call this morning ( XX/XX/17 ) at XXXX ; BofA stated in the letter they did not receive information from me, while on the call the agent told me they had informed me from the start that they could not recover as it was after 90 days. 

If this were true, why did they ask me to work to provide a massive amount of evidence, go through all the steps again, and require me to get an order from the FTC/CSPB to spend these months with 30+ faxes, 11 emails, and 6 not returned phone calls for this matter?

Bank of America is just as guilty of not telling the truth as XXXX XXXX
Consumer complaint received 2019-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX around XXXX XXXX I sent {$160.00} to XXXX XXXX ( XXXX ) for two XXXX tickets that were posted for sale on XXXX. My understanding was that XXXX knows the identity of both parties and that everything is backed up by the banks. Mr XXXX also send me an invoice and I paid it. As soon as I transferred the money, XXXX disappeared, he cut off all communication with me and never heard from him again. I ended up getting tickets from another source and at half time I called chase trying to find a resolution to my situation. I was told that they could not help me out. That these transactions are not back up by their fraud protection and that I should only use this service with people I know ( family and friends ). That if anything I should reach out to my local police department and file a police report. 

They are giving thieves a golden opportunity to prey on the innocent. I dont understand why a company with so many transactions isnt doing anything to protect the customer. Or at least work with them to bring justice to the situation or identify these scammers in order to make this stop. 

To just give a blind eye to this problem is just ridiculous to me. If I had the power and the resources to make things right ( which XXXX and the banks partned with them do ) I would Until then - these criminals will continue to get away with stealing
Consumer complaint received 2019-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I'm deposit check from my insurance work compensation, with the money them own me total is XXXX when I do deposit, citizen bank tell me my fund is available on XX/XX/XXXX and also the give me receipt with the transaction and the said fund available XX/XX/XXXX, when check online bank, the bank extend day on holding check to XX/XX/XXXX, I was scheduled some payment from debt to clear on XX/XX/XXXX. Now the bank want charge me overdraft fees {$35.00} each on the overdraft amt XXXX.i think this is very unfair, why I have to paid for this is citizens bank mistake day on available fund. I also I'm call supervisor from citizen he talk me he cant help and I have to paid for my fees
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc. (TN)

I was contacted this Morning by XXXX with Rauch Milliken International Collection Services.regarding a debt that isn't owed by XXXX, XXXX We advertised with XXXX  XXXX  for a short period 2018. The account was turned over to a collection Agency for a debt that isn't owed. XXXX XXXX the account representative for XXXX ran radio advertisement with out my written authorization for a extended period. 
Correspondence was sent to XXXX  accounting dept.stating we did not approve the advertisement to continue to be ran. XXXX  account representative XXXX XXXX is operating and selling advisements with no honesty or integrity. I also never received correspondence validate this debt as required by law after being informed I have 5 days to resolve this matter before legal action is filed.
Consumer complaint received 2019-02-12
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. (GA)

This issue was acknowledged Spring XXXX. I realized two paid in full loans from XXXX were no longer reported on XXXX credit report. I contacted XXXX and was told creditor needed to resubmit information, it couldn't come from me. I then contacted creditor and advised of issue with credit report. The creditor faxed information to XXXX and mailed loan information to me. I then faxed information provided to XXXX. I was told by XXXX if the information was previously reported, there was nothing that could be done after following instructions to fax information provided by XXXX & creditor. 
There was a constant back and forth between me contacting creditor ( XXXX XXXX XXXX in NC ) and XXXX to get this issue corrected, for this is a major part of my credit report and history. I was then informed by representative at XXXX that it takes a couple days for them to review faxed information and to give it some time to reflect on my credit report. After reviewing recent credit report the issue still remain, nothing is updated thus far regarding loan information. I then contacted representative at XXXX XXXX XXXX who submitted information in XXXX. She refaxed information to XXXX  and mailed me another copy which I faxed to XXXX as well. I submitted complaint and chatted with live representative I was emailed case number XXXX. Please assist with prompt action regarding information provided for this issue affects overall life.
Consumer complaint received 2022-08-18
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 — Their investigation did not fix an error on your report
Company: Kikoff Inc. (AZ)

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car. I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payements, I demand deletion at once with these late payements reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from excersing my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX arizona [ XXXX ]
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (IL)

Im used to receiving emails when my payment is due. But this specific type of credit card didnt send emails. I bought a pair of socks for {$43.00} and even though I had the money to pay it off, I forgot about it and then ended up having to pay {$72.00}
Consumer complaint received 2019-02-12
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. (NY)

Experian has placed a charge off on my credit report with it also saying I owed a certain amount of money. I have contacted the creditor who does not have a account with me and I contacted the Bureau experian with no response except verified. I requested a method of verification and it has never been provided. XXXX XXXX XXXX have no account with my information and experian has it posted on my credit report
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Lifted my credit freeze XX/XX/XXXX to apply for a credit card. Am trying to freeze my account again 5 days after lifting. I'm told my address is not valid which hasn't changed since 1996 and is on file. Now am told to send all information that is exactly the same as it was 5 days ago. and after sending it and 3 days more to review it will freeze my account. 
When I removed the freeze all three credit agencies did same on line in 5 minutes.

Why do I have to individually ( each agency ) and by mail reapply the freeze, after only 5 days. 
Nothing has changed on my part. 
The experian website only provided info for membership at a charge of $ XXXX/mo. 
When I phoned -- - I was just rerouted around and around never getting to the actual freeze -- -- just sent me back to the original options. 
I want to freeze my account today. If something happens it's on Experian.
Consumer complaint received 2021-07-02
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)

I have reached out to each of the Credit Bureaus and they have failed to respond to any of my disputes. I reached out to them on XX/XX/2020 and informed them that I was a victim of Identity theft and that the accounts on my report did not belong to me. They have refused to respond to my request.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

NCA National credit adjusters account #, you stated that you { verified } a incomplete credit report quote NCA-VERIFIED AS REPORTED your quite, NO account number, and you can not report this as a open account you told the CFPB you verified the account that in its self is a U.S.C. violation, the original creditor you state name with no contact information that's another violation so we are looking at about {$4000.00} in violations I request where you got your information
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (CA)

I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to ANY of the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) this action may constitute fraud under Federal and State Laws. Due to this fact, if any negative marks are found on ANY of my credit reports by your company that you represent, I need them removed from all 3 credit reporting agencies. I also need documentation stating you removed the item from my reports. This has caused me to be denied for credit, apartments and loans.