davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-03-19
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: Resurgent Capital Services L.P. (OR)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-27
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. (TX)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2021-03-19
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: USCB, Inc. (OR)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

I wanted to add to my previous complaint-XXXX  as the company wasn't honest with my ability to obtain a loan. 
After filing the complaint, I applied for a loan with another lender and since has closed that loan for almost 60 % more than the amount I applied with XXXX. XXXX  or Cardinal-whatever name they use caused me a higher interest rate. Had they denied me much sooner, rather then string me along, I would have gotten a lower rate as interest rates increased since last XX/XX/2020.
Consumer complaint received 2021-05-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc. (FL)

Ive already been in communication with XXXX XXXX XXXX  who stated they are unable to send me in writing the debt will be removed from my credit once payment is made and they said they cant provide this. 
I want to accept this offer to pay the amount offered the due date to pay is XX/XX/2021
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Beginning on XX/XX/2021 I have received daily calls from XXXX. After looking up this number on the internet it appears it is a phantom debt collection scam impersonating Transworld Systems. After the second or third call I picked up and when they explained what they were calling about I informed them they had the wrong person as I do not have any outstanding bills whatsoever. They said 'ok, we'll take care of it ' but the calls persist daily.
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (CA)

I sent letters to XXXX, Equifax and XXXX regarding having wrong addresses, Inquiries and open accounts on my credit report. I also sent my ID and Utility bill. 
XXXX. 

I heard back from XXXX  on XXXX. They said I did not send in my ID or anything else to show my address. 

I have not heard from Equifax or XXXX  about my requests.
Consumer complaint received 2021-05-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Carbucks of Delaware, Inc (GA)

Due to COVID hardships I pawned the title of my XXXX XXXX XXXX to get the money I needed for rent. I received XXXX from Car bucks in XXXX off of XXXX XXXX. I had just started with a company as Im a XXXX XXXX XXXX XXXX XXXX XXXX and thought I would have no trouble paying this amount back. Unfortunately I was unable to make the first payment and they took my car. They did not tell me they were going to take my car, I never received a letter stating their intent. I called the next morning as soon as they opened trying to meet them to pay the entire amount owed for return of my car with a family members help. I was told by XXXX that works at that location she couldnt tell me anything but only say that she would have the owner call me. It took him 3 days to call me and I told him I had the money and wanted to meet him to get my car and then he said he didnt want the money I owed him that he was exercising his right to keep my car thats worth 4x the amount of the loan and refused to take the cash to pay the loan off so he could keep my car? Is this not stealing? Ive now lost my home and my job bc Ive lost my car. Please help
Consumer complaint received 2022-08-17
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. (TX)

I am a natural person, I am a human being and I have rights under 15 USC 1681. It is my knowledge that Equifax is govern by 15 usc 1681.and they have violated my rights number times and I have filed numerous reports. I demand the following accounts below be removed from my report because Account-XXXX Consumer Account - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX According to 15 USC 1681 : I have the right to privacy and i did not give Equifax permission to furnish these accounts.
Consumer complaint received 2021-07-17
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: TD BANK US HOLDING COMPANY (NV)

at the time i was in bad standings with this company nordstroms, a inquiry appeared on my XXXX  credit file on XX/XX/XXXX of 2021 asking to extend me credit. that inquiry was not authorized by me, and it makes no sense why i would have, which means it was either a mistake on their part or fraud, in either case its not of my doing.
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A law firm called XXXX XXXX XXXX have been calling using a third party company that provides legal notifications and provided a case number and phone number to contact XXXX. Once I called the provided a false Social, with a prior last name I had and an old address of about 15 years ago. Starting there was a credit card debt under my social with Capital One. Once I contacted Capital one the account was real but with all incorrect information and a product of identity theft. Case opened through Capital one and once I contacted the Law firm to advised them a case was opened they asked for my current address to send me an official dispute form. Representative became highly unprofessional when I refused to provide the address and would not provide the address for the Law Firm and was disconnected. Second rep also was upset and stated she knew my case and I had listened to our 10 minute call while I was on hold with them for 3 mins. She stated I was not a customer and I did not need to receive customer service and to do what I like. Refused to provide the address for the Law Firm.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a letter from Portfolio recovery associates regarding a debt for {$770.00} owed to XXXX XXXX. I never owed XXXX XXXX {$770.00}. XXXX XXXX states they no longer have records for the debt so they cant tell me why I owe. 
Ive written Portfolio Recovery Associates on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for an itemized statement of how I owe what they say I owe. They have yet to verify all charges leading up to what they are saying I owe.
Consumer complaint received 2021-05-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I asked Equifax and XXXX  for a investigation for XXXX XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX  and that is fraud
Consumer complaint received 2021-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MJ Altman Companies, Inc. (FL)

In XXXX I contracted with XXXX XXXX XXXX XXXX and my 1st appointment was XX/XX/XXXX and my last appointment was XX/XX/XXXX. WhXXXX XXXX XXXX XXXX XXXX  told the Dr . I have NO insurance and would pay cash for each visit and he needs to let me know what that bill is so I had 7 visits the 1st was {$250.00} and they told me that by phone so I had that cash ... they estimated the other visits they were going to be either XXXX or XXXX so I made sure I brought in XXXX each time. Unbeknownst to me they were collecting payments for XXXX XXXX and not the doctor himself ... so there WAS a disconnect by XXXX XXXX XXXX. I received a bill from XXXXXXXX XXXX office on XX/XX/XXXX and was confused because it resembled the payments I had already made ... so I kept asking where are the cash payments I made? Finally I went to see XXXX XXXX in person and he explained how the billing worked ... so I had brought cash to pay him ... the date was XX/XX/XXXX. XXXX XXXX noticed that I WAS still dealing with my leg issue and said he would accept {$500.00}. as Payment in full and gave me a receipt to that affect. He also told his office. I got another bill on XX/XX/XXXX and it did not indicate the payment I made so again visited XXXX XXXX IN PERSON on XX/XX/XXXX brought his billing office bill and the receipt he gave me and asked if he changed his mind ... He said No and that he would talk to billing right away and have it XXXX out. I then got a bill on XX/XX/XXXX from this Company called MJ Altman ... called XXXX XXXX billing office and they said it was a mistake and they would take care of it. MJ Altman also filed with the credit bureaus so I disputed the information and it was removed. Now here we are in XX/XX/XXXX and I am alerted by XXXX  that MJ Altman has filed a debt collection on my credit report. 
This Company is wasting my time, attempting to RUIN my credit ranking ( and succeeding I might add ) after they have been shown by me and told by the so-called Client Company ( XXXX XXXX XXXX ) that there is NO debt owed. This Company is a " scam '' as far as I can tell and/or preying on people who may have forgot the details on an account they claim they are seeking to collect debt for. I called XXXX XXXX XXXX  and they said they did NOT authorize MJ Altman and canceled any future agreement and would call them and tell them to " Cease and Desist '' I am writing this complaint as they were told there was NO debt in XXXX ... so why did they reopen the account 2 years later ... and will they do it again in 2 years? They have already decreased my score and are publicly tarnishing my reputation. Do I have a right of redress against this company as what they are doing is harming me and my reputation and I WILL not tolerate that.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with XXXX. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

OnXX/XX/21 my Chase bank account was hacked and they wired funds out of my account. I immediately ( within 30 min ) notified Chase of the problem both verbally ( on the phone ) and inside a branch. I filed two Affidavits because there were two unauthorized wire transfers so an Affidavit was filed and submitted for both wires onXX/XX/21. One wire transfer was for {$11000.00} and the other for {$12000.00}. They told me that it would take 5 business days and they would update me on the status. I didn't hear anything in 5 business days so I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on the XXXX after chase staff called I received {$11000.00}. So I called XXXX, XXXX and when I called on the XXXX they told me that they couldn't recover my {$12000.00} and that there was nothing else that they could do and that it was my fault.
Consumer complaint received 2021-05-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NM)

During Covid-19, my mortgage was palced in Forebarance. I was told then i started the forebarance that my payments would be added to the end of the loan. I have been trying Since XXXX of XXXX to get out of forebarance and start making payments again. Carrington is telling me that they can not simply just add my payments to the end of the loan. Since XXXX of XXXX Carrington has been reviewing my loan for a modification. As on XXXX XXXX they are still revieing me for a loan modifiaction. Their lack of action on this is putting me in incrasing jepordy of loosing my home. I have not made any payments because I want to know how they are going to resolve the amout that is behind. And they can not tell me this information.
Consumer complaint received 2021-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NC)

on XX/XX/2021 i received an alert by phone from CRA XXXX XXXX  and XXXX  that NATIONAL CREDIT ADJUST reported i opened and account with a balance of {$1600.00}, i have no idea who that is, so i called the number that was listed on my credit report and it rang and rang. 

this is fraud or identity theft, i've never done business or signed any contracts with this company and never gave this company access to my credit report.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (VA)

I keep getting harassed by a company called Associated Credit Services accusing me of owning a debt I don't owe. I have told them multiple times they are barking up tree but they will not listen They are incredibly rude and condensing on the phone and when I ask for proof and paper work proving this debt than can't provide The worst/most fishy part is they refuse to speak any details of the " Business matter '' -- -- -I 'm not a business and as a retired vet i don't do " Business '' -- -wiith me providing all kinds of PII ( Personally Identifiable information ). 

But nope, they just keep calling. without being able to even provide evidence of this debt I spent the last 5 years recovering from severe  XXXX from XXXX and have been living a semi-normal life for the first time in a long time. These non-stop calls and attitude have triggered multiple panic attacks in me. I have not had a XXXX XXXX in over a year and a half until now.
Consumer complaint received 2021-05-27
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. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Delivery Financial Services, LLC (AZ)

This company is acting as a debt collector company but in the XXXX XXXX XXXX buyer list XXXX is a junk debt buyer company. 15 Usc 1692g I am the original creditor only I can validate debt. I have filed multiple dispute letters and will continue to take action on these fraud agencies.
Consumer complaint received 2021-04-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

we contacted the XXXX XXXX XXXX in regards to the balance we paid off last year and they still haven't reported the paid off on the account.
Consumer complaint received 2021-05-27
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One credit card is in violation of federal Equal Credit Opportunity Act because they have denied me credit without giving me a fair process and my credit decision Capital One stated that there was an extended hold on my credit report what they were going to contact me in order to verify my personal identification they have not contact me during the application process and have denied me my right to credit
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I was on a deferment plan that was approved for XX/XX/XXXX to XX/XX/XXXX due to me not working due to COVID19. Somehow, XXXX XXXXXXXX XXXX reported me late on XX/XX/XXXX. I have attached my mortgage statement for that time period.
Consumer complaint received 2018-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

My card was charged with using XXXX and XXXX XXXX back on Earlier in the month of XX/XX/XXXX cant remember exact dates but my card was used by ex boyfriend XXXX XXXX birthday XX/XX/XXXX I believe is the correct information
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

Account permanently disabled without explanation. Contacting the company results in an apology letter for the service cancellation without offering any steps to rectify and without giving any clear explanation on what terms may have been broken. This account is also linked to a credit card and debit card. I have concerns this may affect my credit