davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
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: Bread Financial Holdings, Inc. (TX)

On Wednesday, XX/XX/XXXX @ XXXX XXXX XXXX I contacted Comenity Capital Bank to inform them to block & cancel my credit card immediately. The customer service rep assisted me in identifying that there were multiple simultaneous transactions that clearly did not match my transactional history pattern nor were they done by me or anyone I know. The fraud was swiftly reported and I made it crystal clear to the Comenity Capital Reps that I also reported my US Passport stolen and filed a XXXX report with the XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX. They can be contacted @ XXXX XXXX XXXX XXXX and can easily verify the validity of the report and issuance of NEW gov issued identification. The report itself also states the cc stolen detail. In fact I'm pursuing legal and law enforcement action against the crime. The transactions varied from small to large most notably charges for XXXX and XXXX XXXX  from what appear to be at multiple random locations. I was able to gather one of the identities of one of the charges XXXX XXXX XXXX  XXXX XXXX of the airline purchases and we are gathering further XXXXntelligence on this offense that continues to prove the offenses and Identity Theft. This information and evidence has been submitted to the appropriate parties pending further action. The last approved charge done by me was on XX/XX/XXXX merchant - XXXX. All of the charges in XX/XX/XXXX are fraudulent. What is absolutely erroneous to me and the professional counsel I've been advised by is that the charges were approved despite the flagrant and suspicious locations and charge amounts. This is very unprofessional of Comenity Capital Bank and shows a disregard to safeguard customers accounts. I spoke to multiple reps about this again in Account Protection on XX/XX/XXXX since Comenity Capital Bank added the balance transfer back unto my account on XX/XX/XXXX for {$6900.00}. I was told by Comenity Capital Bank rep that one of the merchants claimed that I have a " son ''? This is a false statement and a lie and I can continue to easily prove that XXXX. I did not make these purchases. XXXX. I do not have ANY family or friend members that made these purchases. XXXX. I do not have a son. I have contacted multiple pertinent parties about this, I've filed an Identity Theft report, XXXX report, police report and am currently getting professional counsel on my legal binding rights. I'm currently gathering further evidence of the Identity Theft/Fraud and have everything documented prepared for next steps. This is not difficult because the truth and right thing to do is very clearly outlined. Please correct this error as soon as possible in accordance with the FCBA, FCRA & Section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-08-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc. (CA)

Im in the middle of litigation with GM Financial whom is trying to collect an alleged debt. I have recently received a letter which i have attached stating they may exercise their rights under law for non payment of a debt? I never heard of a law that protects Debt Collectors BUT there are several laws that protect the Consumer, the natural person and the original creditor.

Pursuant to 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATIO
N, or PROPERTY of any person.

GM Financial is using criminal means and is trying to harm my reputation by repossessing my vehicle at my house in front of all of my neighbors and family. They will also harm my property which is on my drive way at my house.

They are using criminal means pursuant to 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the SEIZURE of any property which would be
my vehicle.

Im here today for more proof for the courts to see that GM Financial is still on the path to violate Consumers and Original Creditors.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MT)

Primary cardholder died on XX/XX/XXXX. I notified Citi-Bank by telephone shortly after - and the account was summarily closed. I requested a final statement. I began receiving phone calls from XXXX XXXX  which I did not answer - as did other family members - nor did I respond to their letter. There is no probate estate - there is a living trust - I am the surviving trustee and administrator of the estate. 

I called Citi again - explained the trust and requested a statement so I could pay the final bill. I was told they could not provide one. 

I wrote a letter to Citi on XX/XX/XXXX requesting a statement and received a " we'll get back to you '' letter dated XX/XX/XXXX. There has been no further communication from C

iti - but I now receive daily calls from Client Services - which I have blocked. In my opinion it is Citi 's responsibi
lity to provide the statement which I am quite sure these collection companies can not do and it is reasonable to request the details of the final account statement. I would like the harassment to stop!
Consumer complaint received 2021-11-10
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. (PA)

I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX  XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2018-07-24
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. (FL)

XXXX XXXX closed my account without any notice / warning due to " Inactivity, '' and it dropped my credit score 7 points ( 4 pts with XXXX XXXX, and 3 pts with Equifax ) I understand that if I close an account that it will have a negative impact on my credit score. In a case where the creditor closes an account in excellent standing because the card holder is being responsible, and keeping the card for emergencies only ( At 26.99 % APR ) it seems extremely unfair to penalize the cardholder. As I said, there wasn't even a hint that XXXX XXXX was closing the account. I work very hard to maintain an excellent credit rating, as is reflected in my report, and I find it very disturbing that a creditor can undo that, despite having had no issues other than " Inactivity. '' I have contacted both Equifax and XXXX XXXX about this issue, and was told that there is nothing they can do because it was " A change to my account, '' regardless of who caused it.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (PA)

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 3 Bureaus 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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. 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 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a some addresses on my report that are not mine. 
My name is XXXX XXXX XXXX please remove any other variation. 
My company is XXXX XXXX ( XXXX XXXX ) My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE/REMOVE ALL OTHERS ADDRESSES XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( 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 2018-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Premier Holdings (FL)

XX/XX/16-I have been threatened with court and other such threats by premier holdings llc. When I requested written documentation of this date they became hostile and refused. My husband then decided to call and they told him my private medial information without verifying he was who he said he was. This was the second time they have called me and threatened me and I can not find any information online for this company.
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

I have a a unverified account from CHOICE RECOVERY INC #  XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I believe this is a HIPPAAct violation as well.I request that CHOICE RECOVERY INC # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GreenSky, LLC (DE)

I have sent written request on multiple occasions tog the XXXX XXXX XXXX XXXX XXXX XXXX requesting VALIDATION of a debt that is listing on my credit file, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). THD failed to validate the debt after multiple attempts to resolve this issue. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character.
Consumer complaint received 2020-09-17
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: CBC Companies, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and Factual Data. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. XXXX, XXXX, XXXX, Factual Data, and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.
Consumer complaint received 2021-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (MD)

I opened an account on the Crypto.com app on or about XXXX XXXX, 2021. I followed the app 's instructions on how to wire money into my Crypto.com account so that I could begin trading cryptocurrency. A wire of {$1200.00} was made and confirmed through my XXXX XXXX account. Crypto.com said a wire transfer would show up in 2 business days. Nothing showed up in my account, but I remembered that they said an ACH transfer could take five business days. I thought maybe I accidentally did an ACH transfer, so I waited about five business days passed before asking about my money. I began inquiring about my wire deposit on Friday, XXXX XXXX, by email. They asked for some specific information about the wire, which I got from XXXX XXXX and got to them. They now say the information must be in the form of a " proof of payment document, such as an official bank statement '' ... so i sent them a snapshot of my bank ledger and an email from XXXX confirming the transfer. They continue to say this is not enough. My paper bank statement does not yet reflect the transaction, and I wouldn't share my bank statement with them anyway. 
They are stonewalling me, running me around and not doing anything to help me locate my funds. 
I know that Crypto trading is high risk but I didn't think that I would have my wire transfer stolen in literally the first transaction I made. 
I have begun the process of recalling the wire transfer through my bank, XXXX XXXX, which can take up to 15 days and is not guaranteed. 
I just want to make sure Crypto.com is compliant with federal money transfer regulations and that this doesn't happen to others.
Consumer complaint received 2022-09-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX GEORGIA XXXX XXXX XXXX # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (IL)

I opened a US Bank Business Edge Select Rewards card on XX/XX/27 that had a signup bonus of XXXX points after spending {$1000.00} within the first 3 months. I met this requirement within the first month and have still not received the bonus. I initially started calling them in XXXX to see when my bonus would post and was assured it would post on the close of the next statement. I called again on XX/XX/XXXX and they opened a " request '' to the rewards program to research the issue. I was told it would take 7-10 business days to resolve and I would receive a letter in the mail telling me I had received the bonus as it was clear that I had met the requirements. It has now been 76 days and the situation is still unresolved. I have called approximately every two weeks during that time and have been reassured it would be taken care of within the next 7-10 business days. I called again today and was told that I had been misinformed and it can take up to 3 or 4 weeks, to which I have already waited more than double that time frame. Today I was told it is still being researched and there is nothing I can do other than wait. I have waited over 6 months for this to be resolved and have been lied to continuously while trying to get this resolved. I have fulfilled all the requirements of the promotion and there seems to be no end in sight as to when I will receive it. 

The same promotion still shows on their website and I was assured is still valid, so I don't know why this is such a headache to resolve. 

Attached are the screenshots from when I applied for the card and the promo is still up on the US Bank website as well.
Consumer complaint received 2018-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

XXXX college lied and defrauded me. I was told I would get help with job placement and I did not. I graduated XX/XX/07 and when I called to inquire why I did not get my degree in mail I was then told I owed over {$5000.00} - not true! Also they wont release the degree or transcripts. I also refuse to pay for a worthless degree that I cant have and cant use thanks to them. The school was closed. I was hounded to enroll and was never told Id owe money above my student loans. I was lied to and deceived.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SYNCHRONY FINANCIAL (CA)

CareCredit charge XXXX from my account which was the same amount loan after I filed a complaint they send me XXXX and my bank took XXXX in addition my dentist refun XXXX to Carecredit after that XXXX  XXXX XXXX remove the credit and told me they never got a refund from Carecredit call Carecredit and they said they never got a payment from XXXX  XXXX XXXX strange since this was the money they refund plus its on the statement
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX XXXX has re aged my account by reporting the payment history false and the credit bureaus never verified it its an illegally tactic they have use on experience the was supposed to fall off on XXXX in the status section on XX/XX/XXXX but they updated there info to XXXX and XXXX XXXX and they didnt verify I have proof of an old report from XXXX I spoke to them but they have block my calls which is sad and unjust I have submitted Report # XXXX dated XX/XX/XXXX and clears shows the payment history of XX/XX/XXXX as co and XX/XX/XXXX last payment on the payment history made XX/XX/XXXX compared to the reaging that shows payment from XX/XX/XXXXtotally illegal and status of this account is schedule to continue on record until XX/XX/XXXX Has magically disappeared please help this fraud
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One approved a business credit card without my application. I received an email congratulating me for the approval. When I called to report fraud, I was told I had another credit card application that was flagged for fraud and closed. I was never notified about the first fraudulent card. Capitol One should not be allowed to process credit card applications without verifying information with the applicant. In addition, they should be required to notify individuals when applications have been submitted fraudulently so the individuals can take appropriate protective measures. My credit is now frozen however Capitol One should be required to change their processes.
Consumer complaint received 2022-04-26
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. (CA)

Back in XXXX of 2021, I submitted a dispute to Experian regarding an account that is reporting inaccurately on my credit report. It is an XXXX account that is in charge-off status and does not belong to me. I asked that Experian delete the account and send written confirmation of the deletion of this account, because it is fraudulent. Experian claimed to have " verified this information '', but gave no written response or details of this verification.
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Adler Wallach & Associates, Inc. (TX)

AWA placed an acct on my credit prior to notifying me. Nothing was sent to my correct address. I found out due it being placed on my cbr. I called in to make payments. Ive been told I have no payments set up. But they debit it from my acct on the XXXX and my balance has decreased. I have now asked them to stop touching my card. 

I called in last Thursday XX/XX/XXXX and spoke with XXXX, in an attempt to settle my debt and have it deleted ( when it shouldnt be reported to begin with ) who immediately stated the mini XXXX and gave me all of the acct info without even confirming he was speaking with the correct party. He said my phone number pulled it up and thats all he needed. No. He needs to verify before releasing someones sensitive information. 

I ask for someone else. He tells me there is no one else. That he is the highest Ill get on the phone. I tell him that I will get someone else and I will file a complaint, his words, BET! 

I call in today XX/XX/XXXX XXXX answers. He tells me hes the only manager thats there. Again, refuses to allow me to speak with someone else. I try to get another manager by calling in private ( sad I have to do that ). I get someone who claims to be in management. Then later tells me shes going to get me a manager. 

I get a higher up ( at this point, Im not even sure who is who, they all claim to be a manager ) who tells me he will not review the call with XXXX and it doesnt matter how I was spoken to and if the FDCPA was violated because I owe a debt. 

I have worked for a collection agency since XXXX and I am very well aware that this is not how a third party collector is supposed to handle someones acct and personal information. 

They sent the initial NOD to an old address. Not once have I received one at my address. Again I found out about this bc they placed on my credit report outside of the reporting regulations. 

I need help to get this taken care of. I do not deserve to be spoken to trash. I do not deserve to have my credit hit without being given the opportunity to resolve it. Now I cant even get anywhere with the company to resolve this. This is unfair practices.