davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (SC)

I have been running behind on my credit card due to a loss of income. End of XXXX my credit report reflected me 60 days late which was correct. I called the collection company handling their credit cards and they set me up on payments of {$240.00} a month and much lower reduced interest. I was told if I made my payment by XXXX my credit report would not reflect any further past due than 60 days. I did pay {$250.00} on XXXX. I received an alert on XXXX I had been reported 90 days past due. I called in to complain to Walmart and they said they didn't have access to credit reporting but would put in investigation to correct. Nothing ever happened. No phone call, no correction, nothing. On XXXX I paid another {$250.00} and on XXXX I again received alert Walmart is  now reporting me 120 days past due!!!! I was told this would not happen. What is the point of being on a payment plan if I keep getting further past due?? I called in and their employees are clueless. I have spoken to my bank and told I can dispute both of my payments and get my {$500.00} back if not corrected. I will give this until XX/XX/20 or I will have to get my money back from the bank.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (IL)

Factual Data Miscellaneous Inquiry Date : XXXX XXXX, XXXX Factual Data Miscellaneous Inquiry Date : XX/XX/XXXX I don't recognize these hard inquiries and my credit was pulled without my permission.
Consumer complaint received 2022-03-14
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2018, I called Experian to ask why an old paid-after- charge-off account was still on my credit report given it was time-barred under XXXX  XXXX. A representative told me that the relevant account would not be removed until XX/XX/2018 based on the way that Experian interprets the relevant statute. 

I am writing this on XX/XX/2018 ( and past regular business hours at Experian 's main office ). Although several business days have passed after Experian 's calculated age-off date of XX/XX/2018, the relevant account remains on my Experian credit report, ordered under an hour ago. 

I had hoped to solve this problem with a phone call rather than go through the dispute/reinvestigation process because that can take another 30 days, and no " investigation '' is needed -- an Experian employee need simply look at the relevant date on the account. Unfortunately, Experian has a practice of screening its callers in order to prevent people who have previously complained about state and/or federal law violations from being connected with a customer service representative.
Consumer complaint received 2022-03-14
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (GA)

I reach out to DIVERSIFIED CONSULTANTS after I saw a negative account on my credit report. I stated to them that I never had an XXXX XXXX XXXX account. Here 's the letter I sent them. 

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Any documents showing I own this account. ( I never had AT & T ).

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

9. Proof that you either own or were assigned the debt from the creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.

Also, I never was given 30 days to challenge the collection.

Thanks in advance, XXXX XXXX
Consumer complaint received 2018-11-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (CA)

Firstly, I am certain I have no debt other than my student loans, which are currently being handled by an unrelated credit service, and that these claims must be baseless. 

On XX/XX/18 Recievables Performance Management ( XXXX XXXX XXXX XXXX Suite XXXX XXXX, WA XXXX ) began calling my mother 's phone from XXXX ( XXXX ) XXXX and asking her to confirm my identity. They refused to identify themselves or why they were calling, and did not attempt to contact me via mail or telephone before contacting her, despite the fact that they told her they already had my address and phone number ( all violations of the Fair Debt Collection Practices Act ). 

On XX/XX/18 they called me for the first time but I missed the call. I immediately called them back and after confirming my identity they claimed they were going to transfer me to a representative. After the transfer I was played a message that no representative was available. I called back a second time later and the same thing happened. I called back a third time and they rudely hung up on me. Keep in mind that THEY STILL HAVEN'T TOLD ME WHAT DEBT THEY ARE ATTEMPTING TO COLLECT ( also a violation of the FDCPA ). I called back a final time and told them that I was going to block their number and I did. I also filed a complaint on their website ( http : //www.receivablesperformance.com ) explaining everything that I have explained up to this point and requesting that they confirm the debt in writing as required by law or cease communication. 

It was at this point that they began to use burner phone numbers in an attempt to circumvent our blocks and continue harassing us after I specifically requested that they either provide written verification of debt or cease communication ( their refusals to do either of these things are also FDCPA violations ).  Both my mother and I have now recieved multiple calls from multiple numbers over the past 2 months, all tracing back to RPM in Washington, including : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX They have still to this day NEVER sent me written notification or verification despite having my address, nor have they ever told me who they claim I owe, or how much. Nothing but constant annoyances bordering on harrassment and intimidation. 

I believe them to be comitting at least 6 violations of the Fair Debt Collection Practices Act ( failure to identify themselves, failure to notify in writing, failure to give the name and address of the original creditor, failure to cease communication upon request, communicating with consumer after request for validation has been made, failure to provide verification of debt within 30 days of written request ).
Consumer complaint received 2022-03-14
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

On XX/XX/2018 while talking with a representative who indicated they were a manager, I was trying to find a way to lower my monthly student loan payment as it was higher than what I could afford. The representative told me I needed to get a part time job, I let them know I had a young child and child care cost so much that getting a part time job would probably make me lose money. The representative then told me that I could save money if i applied for food stamps or other government assistance, I let him know that I made too much to qualify for those programs and I only gave no money because it all goes to pay those student loans. The representative told me that it was not their job to fix my mistakes and that I should have thought about having a child and choosing the career path I did before ever taking out student loans. I was appalled that my child was called a mistake and I was told my choices were stupid, I am not the one that  loaned an XXXX year old that much money for a XXXX  degree, I was not thoroughly prepped on what to expect from taking those loans out but instead I was urged to l! The representative said to this, XXXX years old is old enough to drive, vote and play the lottery, old enough to make those decisions and know the outcomes, thats your responsibility not ours.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have been disputing an account that is reporting on my experian credit report. The account is XXXX XXXX XXXX XXXX XXXX fl XXXX. This account to begin with was paid back in XXXX of 2014. For some unknown reason since they went out of business it has been reporting as a charge off. I have made phone calls/letters/ etc to try and correct this information and have it deleted off my report as it is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. XXXX and XXXX  has deleted it since but experian is still reporting it. I tried to re-dispute it online again with experian but the system will not allow me to do so. I am furious that this is still reporting and the information is completely wrong. I am submitting this complaint on experian credit reporting agency because they fail to do a proper investigation because if they did they would have received confirmation that this account should be deleted off my credit report. If XXXX and XXXX deleted it so should have experian.
Consumer complaint received 2018-11-02
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: Experian Information Solutions Inc. (MO)

My husband had a credit card with XXXX XXXX XXXX. he opened it in XX/XX/XXXX. I never co signed on this account, I never had a credit card to this account, don't know the credit card number or verbal password to the account. My husband 's daughter got power of attorney over her dad and then he passed away on XX/XX/XXXX. That's when I find out my name was put on this account without my permission. I have tried on countless occasions talking to XXXX  XXXX XXXX about this matter and they will not listen to me. I keep telling them it was fraud what my husband did. they keep telling me I owe this money on this account in which I never had a credit card to. I never made purchases with the credit card, because I never had one. I guess the credit card is with his daughter in XXXX where she lives. I have talked to XXXX XXXX XXXXXXXX about it and they want to argue with me and say I am reliable for it. my step daughter used this credit card 2 days after my husband passed away. I am a XXXX woman who can hardly walk and they are treating me horrible. and because they wont listen my credit score is dropping. Like I said I had nothing to do with this credit card. please help me.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union will not address a item on my credit report. I have had a long battle with identity theft and having XXXX XXXX / debt collectors, XXXX XXXX to agree that these accounts are derogatory and listed as charge-offs from someone else using my account. I contacted XXXX XXXX already asking them why the account is still showing after we agreed that it shouldn't be because it is closed and the representative told me the request was sent to TransUnion to be removed and that was two weeks ago.
Consumer complaint received 2017-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CapitalOne Credit has sold an account to a collection agency for the second time using my name and address knowing full well that this is not my account. Their last collection company filed suit after they were notified that this was not my debt. Now I have a permanent mark on my public records. Afterwards they apologized and pulled the complaint. They then sent me the phone numbers of all the credit reporting agencies and told me to handle it myself.
This is the worst kind of predatory actions, trying to force a XXXX year old senior to pay a bill not owed just to stop the harassment when they have records, letters and recorded calls acknowledging this account is not mine and never has been. They also know that my health is bad and yet went forward to start a new attack.
Capital one has caused me to spend numerous days and hours writing and talking to their agents. They offered me a settlement if I signed a legal document that would have caused me to get a lawyer and cost me more than they offered.
I believe that they want to scare people at any cost to make them pay bills without any regard to whether or not it is their debt. They go after family members through their parents and make up false documents to prove their ( changed notary papers ) illegal activities and have enough Attorneys to get away with it.
They probably will apologize and then go right ahead and sell it to another collection agency in the future, and they know that the only way to stop this practice temporarily is to make people keep spending time and effort explain the same thing again.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MI)

The following fraudulent purchases were made on my credit card. Barclays Bank refuses to credit back the fraudulent charges below. 

1 ) XX/XX/2017 {$5000.00} XXXX XXXX. 

2 ) XX/XX/2017 {$5000.00} XXXX XXXX. 

3 ) XX/XX/2017 {$6000.00} XXXX XXXX.
Consumer complaint received 2018-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (MO)

RISE is reporting on my credit report in the amount of {$0.00} for account number XXXX. Its stopping me from obtaining credit in my name. This is a fraudulent account. 

* There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Consumer complaint received 2018-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (OH)

Received a notice to the judgment debtor of garnishment of personal earnings on XXXX.18 from employer. When pay was deposited on XX/XX/2018 {$230.00} was deducted from my paycheck. This was the first I had heard of any type of lawsuit or judgement against me. I have had no chance to dispute and/or arrange a settlement for debt I am being accused of owing. I will be filling out the request for hearing form on XXXX.18 and calling the attorney listed on the same said day.
Consumer complaint received 2022-03-14
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

We have called Lowe 's credit card services numerous times. They consistently misapply our payments, have charged us interest several times inconsistently, do not allocate payments accurately, and try to charge us deferred interest. Their statements do not make sense, they are hard to understand or decipher, and their explanations change repeatedly. We have attempted to pay off our balances without interest, and it's nearly impossible. They report purchases we don't see on our statement.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been over 30 days and the credit has not updated the information nor has provided proof or documents in regard to late payments on my account. Under federal law, they had 30 days to delete the incorrect information and they have not. 
In addition, I was not given any opt-in or opt-out information on reporting by 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX student loans 5. Any credit reporting agency i.e. XXXX, Trans union, XXXX violation of federal law as outlined and enforced, also this is a violation of Trust Res property and certified documents held by a private American wo is not a United states citizen. 
All latest are to be removed immediately from my entire report, XXXX XXXX Deleted, all credit balances as well. No intimate information must be shared as they do not have my permission.