davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service (VA)

There are two collection agencies involved here. The XXXX XXXX XXXX XXXX XXXX-Collections and XXXX XXXX XXXX. 
Debt Amount was {$3500.00} original delq. date.XX/XX/XXXX At that time that agency tried to get me to agreement voluntary repayment with a signature for the Exchange. I refused, I don't own them anything the bill The XXXX XXXX XXXX treated me to pay the all with interest. I didn't give them or do business with them. I own them nothing, I don't own this agency nothing. They used the same logo that fall under the Army & Air Force Services. 
U.S. DEPARTMENT OF THE TREASURY, BUREAU OF THE FISCAL SERVICE SET THIS BILL AS A SET OFF ON MY SOCIAL SECURITY ADMINISTRATION. TOP trace, non-tax Federal Debt. I must pay you in anything other than appropriate commercial paper should the debt be proven valid because to my knowledge, the U.S. congress provided the appropriate solution for me to settle my debt via the remedy in House Joint Resolution ( HJR ) 192 of XX/XX/XXXX.
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (SC)

This company sent me a typed up bill from a computer with my name but a wrong address saying that they verified that I owe {$570.00}. I have a fraud alert placed on my credit reports. They failed to show me documents that I personally signed with correct dates authorizing these charges. They are reporting false information and damaging my life.
Consumer complaint received 2018-09-10
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: Bread Financial Holdings, Inc. (IL)

In the year 2013 my identity was stolen, unbeknownst to me, someone use my government issued social security number to obtain goods and services using my personal information. this theft took place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to each creditor and the credit reporting agencies via certified mail as advised by my council with no response A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY REFUSES TO RESPOND AND REFRAME FROM REPORTING THIS INVALID ACCOUNT TO THE 3 CREDIT BUREAUS UNDER MY NAME. ALSO THE CREDIT REPORTING AGENCIES CONTINUE TO REPORT AFTER BEING SUPPLIED WITH THE INFO AS WELL
Consumer complaint received 2020-09-23
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. (NY)

this is getting ridiculous, I have sent a complaint that i am a victim of identity theft and for the XXXX TIME EXPERIAN KEEPS SENDING THE SAME MESSAGE AND ASKING FOR THE SAME DOCUMENTS THAT I SENT NUMEROUS TIMES, IS THIS A AUTO RESPONSE? IS NO ONE IN EXPERIAN XXXX, PLEASE HELP
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 Section 604 ASection 2 States a consumer reporting agency can not furnish a account without my written instruction. I have taken the necessary steps to get this handled and nothing has been done. These things need to be removed immediately : XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

I have sent multiple certified letters to Experian with 2 forms of ID ( US passport and Indiana drivers license ). Requesting my personal information be corrected.. Spelling of my name, address updated along with phone numbers.. Experian has failed to do this.. Letters were sent on XX/XX/XXXX ( signed for on XX/XX/XXXX attached ) XX/XX/XXXX ( signed for XX/XX/XXXX attached ) and again on XX/XX/XXXX ( signed for on XX/XX/XXXX ). Multiple calls were made between XX/XX/XXXX thru XX/XX/XXXX, requesting this information be updated.. After multiple calls I was told that this information, my personal information would not be updated. I have provided Experian with my proper identification showing my current name ( legal name and current address and yet they still refuse to update the incorrect information on my personal credit report.
Consumer complaint received 2018-09-10
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. (IL)

In the year 2013 my identity was stolen, unbeknownst to me, someone use my government issued social security number to obtain goods and services using my personal information. this theft took place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to each creditor and the credit reporting agencies via certified mail as advised by my council with no response A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY REFUSES TO RESPOND AND REFRAME FROM REPORTING THIS INVALID ACCOUNT TO THE 3 CREDIT BUREAUS UNDER MY NAME. ALSO THE CREDIT REPORTING AGENCIES CONTINUE TO REPORT AFTER BEING SUPPLIED WITH THE INFO AS WELL
Consumer complaint received 2018-09-10
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shellpoint Partners, LLC (FL)

Back in 2008 when US economy went upside down due to banking unregulated methods ( XXXX XXXX etc ... ) I lost my home and a business. I lost ability to pay my obligations. 
I owned home on XXXX XXXX XXXX XXXX in XXXX XXXX , FL XXXX financed by XXXX XXXXXXXX XXXX . 
XXXX XXXXXXXX XXXX took bailout money paid by us taxpayers and walked away laughing. 
I tried to short sell the home and set up pay-off of the debt. XXXX  XXXX XXXX declined 6 short sales and declined to even talk to me about other ways to pay off my loan. 
Years have passed by and XXXX XXXX XXXX didn't foreclose on me in legal manner ( I believe there is statue of limitation of 5 years in State of Florida ) and sometime later on they sold my loan pennys on a dollar to XXXX XXXX XXXX collection agency. After that agency was sued by small lawyer for wrongdoing they than sold it to present collection agency Shellpoint Mortgage Servicing company. XXXX XXXX  XXXX, XXXX, TX XXXX. Phone XXXX This company is constantly harrasing me with phone calls without message ( mute calls ) and monthly letters threatning me with legal actions. They also, are ruining my credit report. 
It is over 10 years since I incurred debt that XXXX XXXX  XXXX abandoned as all wealthy and company do knowing no one will hound them though they are the one who ruined hard working people like me. 
I am asking for help as it is mentally draining to wait each month for the same scenario. 
I live of XXXX social security XXXX thanks to decissions made by our governement but, it is me/us who always paid and pay the price of reckless governing. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I had/have a qualifying COVID-19 related hardship including job loss. The CARES act required mortgage companies to offer forbearance and then a loan modification if the hardship was not resolved. For more than 6 months ( starting in XXXX of XXXX  ) after my forbearance expired I repeatedly called, messaged through their website, and emailed Loan Depot to get a resolution and to receive an offer of the loan workout options required by federal law. I spent dozens of hours on this and received little to no communication from them. Finally, after a full 6 months of trying to reach them, they offered me a streamlined COVID-19 Flex Loan Modification. I immediately told them I accepted the offer and they said that the loan modification would become permanent after the completion of three trial payments at the reduced payment amount. Accordingly, I scheduled the 3 payments with a representative who explicitly assured me that nothing else needed to be done on my part. Almost immediately after scheduling these payments with Loan Depot they apparently transferred the servicing of my loan from Loan Depot NJ to Loan Depot TX. The new servicing location had all of the details of my approval for the loan modification but Loan Depot NJ failed to transfer my authorization to draft the payments to the new servicing address. Because of this they did not draft my payments as scheduled and I was then told that I no longer qualified for the approved loan modification offer. Of course, interest rates have skyrocketed since the initial approval and this stinks of them trying to pocket tens of XXXX of dollars by reassessing the loan modification at much higher rates. At no point did I withdrawal my authorization to debit my account for the agreed upon amount. They explicitly told me I didnt need to take any other action for my loan modification to become permanent after scheduling my payments. They have now reported my account delinquent to the credit bureaus causing my XXXX credit score to plummet. I have never missed a required payment on any credit account in my entire life and they have now destroyed my credit when I gave them specific authorization to debit my account for the agreed upon payments. They need to be held accountable for this and honor the terms of the agreement that we had in place.
Consumer complaint received 2019-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

i have sent several letter to the credit bureaus asking for verification of accounts on my report. Instead of the information I requested, I get and updated credit report stating the accounts are accurate without the names and numbers of the person that verified theinformation like I requested. I sent a letter a letter to XXXX regaring verification of inquires. I received a letter stating it was notmal practice for dealerhips to submit my application to multiple dealerships. and not the infor I requested. I still have yet to receive any infor other than emails stating my dispute was completed and accounts are accurate.
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I had an outstanding balance owed to XXXX XXXX, located in XXXX, TX. I went to the apartment community, and arranged a settlement with them to resolve the outstanding balance back in early XXXX of 2018. I am attaching a copy of the arrangement that was made, as well as the proof or payment/receipt, to show the debt was resolved. You can confirm the resolution of this debt with the apartment manager. Her name is XXXX XXXX, and her phone number is XXXX. 

A collection agency named IQ Data International is reporting to XXXX, XXXX, and XXXX XXXX, that I still have an outstanding balance owed to XXXX XXXX. I have tried for four months to get this collection agency to report this debt as resolved, or remove the account from my credit report ; but they refuse to do so. I am also attaching a snap-shot of my XXXX credit report as of today ; which shows that they are still reporting the debt as unpaid. 

I am calling upon your organization to help correct this situation.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (WI)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2018-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (IL)

On XX/XX/18 an unauthorized charge was made to my account from a company called XXXX. After working with a representative at BMO Harris Bank to try and fix the issue, I received a letter in the mail claiming that I did in fact authorize the transaction and my claim was being closed. I tried to contact XXXX but was unable to speak with anyone about my issue. I am disputing this chain of events. The unauthorized charge from XXXX was for {$970.00}.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXXXXXX XXXX On XX/XX/2018, XXXX XXXX XXXX Ran my credit and also my mother credit without signing a credit report. They shopped every finance company out there. 25 companies.

Right now we have 6 still reporting on there. I will like to go after them 100 percent, due to this is a known issue with this dealership when I posted about  this on XXXX. There is numerous of people they have done this too and have wronged.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Friday XX/XX/XXXX I was using my First Visa Bank Of America and I was told it's declined, Same my Second Visa Bank Of America Card, and than My Master Card Bank of America. I contact the Bank and I was told all three account were closed because I'm Risk Factor. I had my Credit card since XX/XX/XXXXand never even once I was late for payment and never had a balance because I paid my balance on line as soon I make a Purchase.
Consumer complaint received 2018-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Once again, Citizens Bank uses creative accounting, by changing the order of transactions. From being overdrawn by one transaction to 5 and charging {$35.00} for each one. When I made a deposit to cover the one overdraft, another check came in, which bounced. now there are 6 overdraft charges. The last check they bounced was for my certification to XXXX in New Hampshire allowing me to go back to work, which now I will not be able to. The next group of charges will be for {$30.00} each and every day I am overdrawn, taking up all possibility of making ends meet, or replacing the check made out to the New Hampshire Treasury.
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX I purchased a XXXX  headset from a fraudulent mail order company named XXXX XXXX, which charged my Capital One credit card XXXX XXXXXXXX in the amount of {$76.00}. This merchant was a scammer and never sent me the item. I received a completely different item than what I purchased. I then filed a dispute with my credit card company Capital One and provided all requested documentation. It was dispute case # XXXX. The documentation included an email exchange where the scammer merchant admitted that they did not send me the item that I ordered. The email also showed that the merchant refused to refund the charge and that the merchant refused to provide a return shipping label. After documenting all of this to Capital One, I was still charged for this fraudulent charge from the scammer merchant. The initial dispute was within the 60 day dispute time frame. I then called the Capital One dispute department again and provided all the required documentation to them again. They denied my dispute again. I filed a valid dispute which proved that the merchant DID NOT send me the merchandise that I paid for. Yet Capital One acted in an unfair and unethical manner and still charged me. I have been a loyal Capital One customer for many years. This is an unethical and unfair business practice in which Capital One has acted. I would not recommend using Capital One for credit card services because they are unethical. Use XXXXXXXX or XXXX. Sincerely, XXXX XXXX
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  XXXX  : # XXXX, XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$200.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$160.00}
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX FCU Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MD)

I made a purchase at Home Depot and when I checked out I was asked by the cashier if I'd like to open a Home Depot account. I was under the impression it was a store rewards account when in actuality it was a credit card account. This was especially misleading because I had to swipe my current/existing credit card when I checked out which I thought was paying for the purchase but apparently they just used the info from my existing account to open the new HD credit card account and automatically charge the purchase to the new account. None of this was effectively communicated to me by the cashier so I had no idea what had just happened. Furthermore, I never received a credit card in the mail and I never activated a card from Home Depot or CitiBank. Now, 45 days later I'm told I have an overdue balance and my credit score has dropped 84 points all because of something I didn't even know existed until I received an email from XXXX XXXX notifying me of the change in my credit score. This practice by CitiBank and Home Depot is deceptive and down right shady. I'm sure others have experienced the same thing. They are playing games with peoples credit scores and livelihood. Both CitiBank and Home Depot should be ashamed of themselves for using such duplicitous business practices.