davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advanced Call Center Technologies, LLC (CT)

I received a voicemail today ( XX/XX/17 ) from a number I did not recognize which was a recording stating that I was in default on a tax bill and a bill collector would be coming to my home. It told me to call their number immediately. I called back very upset because I dont owe taxes and have heard of this scam before so I demanded to be taken off their list. I was informed by the man who answered that it was intended to get me to call and that he was from Advanced Call Center. He laughed at me while he said this because I was so upset that my voice was raised. I was shocked at him laughing and at this deception so I hung up and immediately sought out a way to report the company. I am paying a small monthly amount on a credit card balance they are trying to collect. I have been in contact with them before and they know Im paying but they continue to call me multiple times every day. In this instance I believed that a tax debt would be due to a municipality or the federal government. Clearly they impersonated such a department in order to get a reaction and it is an obvious violation of the Fair Debt Collections Act.
Consumer complaint received 2022-04-02
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)

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In a letter dated XX/XX/2019 addressed to XXXX XXXX XXXX and sent to all three ( 3 )  Credit Bureaus, the following document was attached as Proof of Claim in connection with the following accounts : XXXX, XXXX. 

In the responses from XXXX XXXX XXXX a summary of the accounts were sent and in the previous complaint to the CFPB ( Case # XXXX ) the document included the account and activities from the previous owner of the accounts but no documentation was included addressing the specific claim of XXXX XXXX XXXX 's rights to collect this debt. In the letter in response to CFPB, XXXX simply claim that " With the purchase of these accounts XXXX acquired all ownership rights, including the right to collect on these accounts and to report to the consumer reporting agencies ( known as " credit bureaus '' ), IF ELIGIBLE. '' The mere act of purchasing these accounts does not make XXXX ELIGIBLE to collect on these accounts. None of the following conditions have been satisfied : 1. XXXX MUST furnish a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector. 

2. XXXX MUST furnish a copy of the original promissory note/agreement redacting my social security number to prevent identify theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 

3. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 

4. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

5. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 

6. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 

7. Verify you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable. 

8. Provide verification from the stated creditor that you are authorized to act for them. 

9. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 Sec. 1341.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I was charged twice on my credit card as well as my mother for a rental car. My payment with my card was denied which position my mother to complete payment with her card. Later I receive a notice on my credit card for the same price my mother card was charged. Which implicated the payment was processed twice. For years Ive been trying to get issue resolved no one has been a help. Im not able to apply for student loans or personal loans which Im in need due to covid 19
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have disputed these two accounts so many times attempting to get the correct information reported. Experian continues to report new late payments on both of these accounts each month. Both accounts have been closed since XX/XX/2016. There is no payment schedule or payment due on closed accounts. The status of charge off and collection are already negative, there should be NO late payments reporting on my credit report for these two accounts. Both are also reporting past due balances. The XXXX XXXX XXXX XXXX account is a closed, charge off. According to the FCRA, it can report a past due balance, but not report new late payments each month, as it is closed. The XXXX XXXX XXXX account is a collection account. I have NO past due balance with this creditor. I have NO payment schedule, as I have no contract with them. It is a violation of my FCRA rights to report late payments each month on these two accounts, and the past due balance on the XXXX XXXX XXXX account each month.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (FL)

I applied for a Barclays Bank World Arrival credit card over 6 months ago. 

Barclay 's said that my application was pending approval until they received some additional information from me. 

I sent in the additional information as soon as they requested it and they still have not approved my application.
Consumer complaint received 2019-08-14
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. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US Dept of Ed/XXXX/XXXX. There are also inquiries on my report that .I know nothing about XXXX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AND XXXX .
Consumer complaint received 2022-11-17
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. (FL)

15 U.S. Code 1692g - Validation of debts Account # XXXX Recently I settled my debt with XXXX XXXX XXXX Prior to me settling the debt I was told that if I pay the full amount of what is owed XXXX XXXX would remove the collection from my credit report. Attached below is my XXXX  receipt. I paid approximately 30 days ago. It is still reporting on my credit report I will like for it to be deleted and removed.
Consumer complaint received 2019-11-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: U.S. BANCORP (NJ)

On XX/XX/2019, I sold a leased Vehicle to XXXX XXXX XXXX and in return purchased a vehicle from XXXX. They were supposed to send a buy-out check to the lease company, U.S. Bank. XXXX took roughly 5 months to send a buy out check, resulting in default in payment to US Bank on my behalf. I have contacted The XXXX  for this matter to help fix the issue. After my credit has been ruined, and check finally received, according to credit report agencies I have a late payment to US Bank in XX/XX/2019, however, vehicle was sold in XX/XX/2019. I have contacted XXXX XXXX, but one one ever reached out to me. Ive contacted US bank, the issue was never resolved. Ive done multiple credit disputes between the bureaus, but nothing has been fixed and they will not allow me to dispute it anymore. It has been very hard for me with my credit being ruined.
Consumer complaint received 2019-08-14
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. (GA)

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice an item on my report that is not mine. This item need to be deleted from my credit report XXXX XXXX  XXXX and there are some inquiries also that are not mine XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

On XXXX XXXX  I noted a late payment from XXXX XXXX XXXX on my credit report. I'd reached out to them to update this information a month ago. On XXXX XXXX XXXXXXXX XXXX XXXX company and Portfolio Recovery System continue to utilize inaccurate information form another party without my consent ( fraudently ) to report to credit bureaus that's affecting my credit and personal character negatively which is not allowed by law. I never signed an agreement with this company. i do not owe any debts to the said company. I have not given permission to share my private information with a third party which has been utilized in a negative way to damage my character. This information has affected my ability to acquire business funding, better employment opportunities, and ability to purchase/ obtain housing. 

In accordance with the FRCA, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Any negative information is declamation to my personal character.
Consumer complaint received 2021-05-05
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: CURO Intermediate Holdings (VA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX SPEEDYCASH COM XXXX VA ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP (CO)

I am being harassed by a collection agency named Linebarger Goggon Blair and Sampson. They have repeatedly called my home number even though I have informed them that they have the wrong number. They have called 5 times in the last two weeks and probably 20 times in the last 3 months. I have politely told them they have the wrong number, but they ignore me and demand my personal information. They ask for a person that doesn't live here and get rude when I tell them that no one by that name lives here. I am a XXXX XXXX XXXX and XXXX veteran living on a fixed income and the calls are triggering my XXXX. Luckily this morning I was able to jump on my bike for a ride to calm down. I thought there were laws about collection agency harassment.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Trident Asset Management, L.L.C. (MS)

On XXXX XXXX  I noted a late payment from XXXX XXXX XXXX on my credit report. I'd reached out to them to update this information a month ago. On XXXX XXXX  Trident Asset Management company and XXXX XXXX XXXX XXXX to utilize inaccurate information form another party without my consent ( fraudently ) to report to credit bureaus that's affecting my credit and personal character negatively which is not allowed by law. I never signed an agreement with this company. i do not owe any debts to the said company. I have not given permission to share my private information with a third party which has been utilized in a negative way to damage my character. This information has affected my ability to acquire business funding, better employment opportunities, and ability to purchase/ obtain housing. 

In accordance with the FRCA, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Any negative information is declamation to my personal character.
Consumer complaint received 2024-05-11
Product: Credit reporting 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. (MS)

XXXX XXXX improperly used information without my written consent. As a result, it has affected my ability to acquire housing. " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ''
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Davis and Goldmark, Inc. (NM)

I had requested an itemized statement from XXXX XXXX, they had sent me a bill for {$7000.00} with no explanation of the charges, so I wrote them a letter. Today I received a letter met to appear to be a law firm, Davis & Goldmark , Inc. XXXX California XXXX we are sending this notice as a reminder that your account remains unpaid '' I still have not seen a statement from XXXX explaining the details for the charge. I was in the care of this facility at a time that my deductible and out of pocket expenses had already been met so the charge needs to be specific. This facility and the collection company they have hired need to identify what I'm being charged for.
Consumer complaint received 2022-04-27
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. (PA)

Credit acceptance was delete off my transition because they were not reporting the same information to XXXX and Equifax and that is a discrepancy and calls for the account being deleted. XXXX and Equifax shouldve followed suit because of the Discrepancies found.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

We have been in touch with XXXX XXXX directly and also through your system. 
Our credit report shows twXXXX HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. XXXX XXXX takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with XXXX XXXX Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that XXXX XXXX had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a XXXX XXXX bank error. 

XXXX misreported late : We have XXXX # XXXX for payment onXX/XX/XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number. 
And a Note from my husband speaking with representative, same story, the told my husband that XXXX XXXX just did not process. We were contacted by XXXX XXXX saying they would look into it. 

XXXX XXXX told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
XXXX XXXX is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX XXXX
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (OK)

Phoenix Financial Services sent a letter to collect debt. Explained to them I have XXXX XXXX to cover the debt. The told me that the hospital didnt have to file insurance and that they can as a courtesy. Asked for the to send the original bill and they hung up on me.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (SC)

I applied for employment and was offered a job with Mariner Finance XXXX XXXX, SC. I was excited to start this career as I have tons of experience that would have helped this company grow. They utilized XXXX XXXX XXXX to conduct their background report which I was not at all concerned about. When the results came back, I was appalled to discover that I had a public record from 21 years ago ( I am XXXX now and would have been XXXX when that was reported ) that stated I had written a {$66.00} bad check. This was all handled over half of my life ago and was a huge misunderstanding. I was not given a chance to explain this and was immediately denied employment. 
This denial is discriminatory and against the law. The law states that consumer reporting agencies are not to report outdated negative information more than XXXX years old ( bankruptcy being 10 years which I have never had ) and I did NOT agree to anything being pulled past that date. This should turn into a HUGE legal issue for both XXXX  AND Mariner Finance as I feel like I was unjustly discriminated against.