davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Review my credit report, and I've noticed some discrepancies and you see the attached for details. Please help I am trying to get this account that was created by identity theft off my report. This is restricting me in my financial life providing for my parents, fianc ' and child.
Consumer complaint received 2022-04-30
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: Resurgent Capital Services L.P. (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC. (CA)

In the beginning of XXXX, XX/XX/2022 I requested a check to be mailed to my address. I was told my {$1500.00} check will arrive within 5 business days. When the check did not arrive in that timeframe, I contacted Robinhood/XXXX XXXX XXXX I was told there is no way for them to track checks. After reaching out several times to request a cancellation, in case the check was stolen, the check was never canceled. The only response I got was a circulation that my check has been mailed and if I want it canceled, let them know. Yes cancel, yes cancel, yes cancel. Fast forward to the end of the month, my check has not arrived, my check has not been canceled and the money from the check has not been put back into my account. Next issue. On XX/XX/2022 I tried to make a purchase and that purchase was declined. I immediately called Robinhood and asked them what happened. They said that my card became restricted with that specific transaction because they wanted to make sure it was me. I confirmed that it was me indeed and can they please remove the restriction from my card? The lady told me in order to remove a restriction, I have to email them a picture of the front and back of my social security card, in addition to, the front and back of a government ID. This would take a couple of days. I told the lady I dont have a couple of days, I need to be able to use my card. She then said she will get it expedited and it will take 48 hours for the restriction lift to be removed. I thought this process was odd considering there was no foul play but I had no choice. The lady stayed in constant contact, immediately responding to my emails after our phone conversation and stated she was there as help in my case and working on getting things processed quickly. Again, this card is my only survival line. Suddenly, after 48 hours, my bank account switched from restricted to frozen. I immediately emailed the lady asking what is going on, and explained the important role the card had to my well-being and the confusion I had as to why there is an issue to begin with. I never heard back from her. Robinhood then started blocking literally everything, my works paycheck from entering as deposit ( I live in CA ), refunds, and more. I signed in on the Robinhood app and I was blocked from requesting calls ( requesting a call in app is the only way you can get a person on the phone ). I was only allowed to send emails via the app. I sent numerous emails and Robinhood has completely shut me out, no one will respond to my emails or talk to me. I now am on the streets with no money for food, gas, water, or shelter and thousands of dollars frozen without given any reason as to why I have a frozen bank account. I want to make note- although Robinhood is known as a stock broker company, this issue is with their debit card/checking account.
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Multiple occasions I made payments once on the XXXX of XX/XX/2019 for XXXX dollars and another payment in XX/XX/2019 for my payment in XXXX. Commenity bank charged me late fees yet again and refused to resolve the issue while racking on more fees. I advised I would make payment once they corrected the additional fees that were added incorrectly
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eagle Recovery Associates, Inc. (OK)

I received a statement from Eagle Recovery Associates , Inc., dated XX/XX/2018, directed to a last name I went by almost ten years ago. I contacted the agency to clear up the confusion and let them know it is most likely and error or possibly ID theft because it has happened to me before. The debt they stated I owed was for XXXX XXXX XXXX set up in IL but I've never lived in IL. They were able to pull up records that supported I live in OK and go by a different name. After being on the phone with them for 40 minutes they still would not remove me from owing this debt. I asked them what I can do and they said we will have several long conversations to get to the bottom of what happened and find the common denominator. During this time they looked me up in depth using their resources and continued to go over my previous addresses, supposed acquaintances, and information about my ex husband. They would ask who certain people were and I would tell them I don't know, but I t was apparent they did not believe me because they would ask the same question again multiple times in a rude demeaning tone. This is troubling to me considering I'm not the person who set up this fraudulent account, I do not feel it's my responsibility to get to the bottom of how they let this fraud happen. The individual ended the call stating they needed to do more research and would call me back. Once off the phone with them I contacted the company who they claimed they were collecting the debt for. That company said they have no record of an account under my name or social going back 10-12 years. At this point, I believe there is a fraudulent act of attempting to collect superficial debts by Eagle Recovery or they are attempting to collect from the wrong person they found online and their practices of doing so border harassment and defamation. My goal with filing this complaint is so that their practices can be reviewed to ensure they are treating people honestly and fairly. In addition, I would like to have my information removed from this collection attempt.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Please HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now XXXX  days and I have not received a reponse. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately please help or I will have to file litigation.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I wrote to Credit Bureau requesting an investigation into item that I believed is OBSOLETE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 
I regret that I am being forced to take such action. 

Please see my reasons for dispute below : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor. 
XXXX XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!
Consumer complaint received 2018-02-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Santander Consumer USA Holdings Inc. (ID)

The company is Santander consumer. I was not able to make payments with the title loan back in XX/XX/XXXX. I tried to make arrangement to get back on track. The only option was to pay over {$2000.00} in ten days or give them the van. I gave them the van. A man came and picked up the car. They did not have to tow just drive away with a full tank of gas. I was told they would sale the van in a month  and get a statement if anything else was owed. I did not hear a thing for years. In XX/XX/XXXX they called my husband. Not me who was the only one on the loan. At first he kept telling them he didn't do this loan. After time we figured out who they were. We asked for a full report for we did not get one three years ago. This loan is not on his credit report. When we finally got the paper work it was confusing. By the time they sold the car the principal balance was {$1.00}. But a misc. Fees of {$330.00}. When asked what those fees were, anyone we talked to in the company refused to tell us what the misc fees are. We told them that if they can't explain the fees then why would we pay them for nothing and we could pay them the {$1.00}. They said no you have to pay the fees. When asked them how we can get this solved they just said pay and now they are charging more. On my credit report it now says I owe {$780.00}. This company waited for over 3 years to tell me I owe them for fees that wont or cant explain and now they just call and call and still refuse to work with us.
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
Consumer complaint received 2021-06-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (TX)

Mercedes Benz Financial Services refuses to change balance owed from {$420.00} to {$0.00} after receiving payment of {$650.00} on XX/XX/2021. The following is reference number provided by MBFS as proof of payment. Ref # XXXX! I have made multiple attempts with them to make correction and they continue to refuse to change balance owed.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: DISCOVER BANK (NJ)

On XX/XX/year>, I received a notification on a social media service called XXXX. My friend, who I haven't talked to in two years, messaged me saying that they accidentally reported me to XXXX, and that I need to fix the claim with the moderators. In the message, they gave me the name of the person I needed to contact, as well as the claim number. I added the moderator on XXXX, who went by the name " XXXX XXXX. '' He said that they were investigating the case, and wanted to confirm that my bank account wasn't involved in any illegal activities. In order to verify, they had me connect my XXXX account to XXXX, which is a money wiring service owned by XXXX. They promised me that they would send all the money back to me once their verification process was complete. They had me send {$7000.00} through my XXXX checking account and {$1000.00} from my Discover credit card. They were able to see my bank accounts, and saw the amount I had in my savings, which was put aside to pay off my student loans and apartment rent. After maxing out my debit card, they wanted me to call XXXX and say that I need to expand my spending limit to the max amount. I was told not to say what was going on, or else they will say it's a scam. I called XXXX and asked to expand my spending, but was denied because I didn't have the amount in my account needed to expand the limit. I called XXXX a few times during this time explaining what was going on, not sure if it was a scam. After a failed wire transfer through the XXXX website, I ended the scam, and called XXXX asking to close all my accounts and cards I have with them. I went to my local police department and filed a police report. I printed out the receipts with the names of the people that received the money, how much money they received, and the bank number that is associated with them. I currently filed a claim with XXXX that they are still investigating. I also called Discover to close my accounts with them. I asked if there was a way to suspend the transaction. They refused, saying that it's a pending charge, and I can't dispute anything until a charge was processed. Once the charge was processed, they refused to file a claim because I " authorized '' the transaction. I was told that the transaction was a " push authorized transaction '', since I was forced to authorize them against my will. I continued to call frequently asking to file a claim, with their response being no, since the charge was authorized, despite the fact that it was a scam. I asked for financial assistance since I am a full time XXXX XXXX with a part time job and full time internship. They said no because my Discover card is linked with a XXXX  account, so I am denied assistance with paying off my card.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer USA has continuously incorrectly reported my account as being 30+ days past due. I disputed this information with XXXX and had numerous 30+ day late items removed. However, several of them still remain. This misinformation has ruined my credit score and cost me the opportunity to refinance my car loan for a better interest rate, buy a home, and take advantage of the otherwise good credit that I had. The deceptive practices used by this company has cost me thousands of dollars. To date, they are reporting that I was 30 days late making a payment for the months of XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, & XXXX XXXX. My Due date for these months is the XXXX of each month. I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 23 days past my due date. I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 21 days past my due date. For the XX/XX/XXXX payment, I paid XXXX 's payment in XXXX ( I made 3 payments that month ) and XXXX 's payment in XXXX and informed them that that is what I was doing, and they still listed me as 30 days late. I made the XXXX XXXX payment on XX/XX/XXXX, which is 26 days past my due date, and I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 21 days past my due date.
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America refused to communicate with my attorney ( who I was forced to hire because they also refused to communicate with me ) for over a year to negotiate a mutually beneficial and reasonable settlement on the balance I owed them on their credit card. BoA has incorrectly reported delinquency dates and balances to all three credit bureaus for the past XXXX years even though I closed out the account in XX/XX/XXXX. This malicious reporting needs to be removed from my credit report immediately as it is preventing me from qualifying for a mortgage.
Consumer complaint received 2020-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2018-02-13
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Onity Group Inc. (DC)

Last XX/XX/XXXX I disputed and appealed a translation that was never resolved. This went on for almost 6 months. 

I contacted Ocwen in XX/XX/XXXX about a trial payment plan modification. It was approved but the dates were untimely and I asked fo relief. 

I spoke with Ocwen in XXXX and was advised to submit a new application for assistance and I did so on XX/XX/XXXX. I was told that the foreclosure would be on hold while the Ocwen underwriting reviewed my request. I had questions about the application for assistance that were never addressed or answered. 

I spoke with a Ocwen representative in early XXXX who told me they would get underwriting to review the questions and help me resolve the matter. 

I schedule a cal for XX/XX/XXXX and instead of getting help on the application or Ocwen reviewing my XX/XX/XXXX request, Ocwen informed me that the property has a sale dat of XX/XX/XXXX. This was doen after I was told that the sale date was on hold while the application was being considered and reviewed. 

I was asked to submit the application again to Ocwen who the representative XXXX ( XXXX ) knew of on XX/XX/XXXX and XXXX ( XXXX ) said there as no " imaging '' in the Ocwen system of the application or record of a review by underwriting.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

On my XX/XX/XXXX statement from Citi, I was charged {$40.00} in interest, without any explanation. 
When I called Citi 's customer service, the agent agreed that the interest charge was an error. 
But I was told that I must pay my full balance ( including the {$40.00} incorrect interest charge ) in order to have the {$40.00} refunded to me. 
That's ridiculous.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allegiant Capital Recovery LLC (VA)

I have received multiple calls from this company regarding an alleged debt. I have sent a Cease and Desis letter to the company and have received numerous emails and calls since prior to. I have sent three letters requesting validation to this company and have yet to be provided with the requested information. 

Per the FDCPA 15 USC 1692g ( b ) " Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. '' One of the requested validation of this debt was to provide the original creditor of this alleged debt. Per 15 U.S. Code 1692a ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. ( This information was not provided to me. 

This is also a direct violation of my The Privacy Act of 1974 This has been a complete inconvenience to me as I am a small business owner and have to continue to stop what I am doing to answer calls, respond to emails and request the same information.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (WA)

I pay on the debt on a monthly basis, and I have repeatedly called in to pay it now that I am aware it is on my credit report. I have been polite and asked the company to stop calling. I most recently paid as much as I could on XX/XX/XXXX, and today, XX/XX/XXXX, I received another call about the debt. I do not have enough money right now to make any extra payments on my debt until XXXX. The name of the company is Southwest collections.