davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX Todays Date : XX/XX/XXXX ARS ACCOUNT RESOLUTION  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  XXXX  XXXX  XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-07-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (AL)

This company is a unlicensed loan lender in my state. From XXXX I have borrowed {$2100.00} and have paid back {$2400.00}. I have over payed them {$310.00} in fees and interest. I have emailed them asking for a refund in the amount of {$310.00}. They claim I still owe them an additional {$1300.00}. I also told them in my state since they aren't licensed I owe only the principal amount. I have paid the principal and asked them to consider my account paid in full. I want a refund in the amount of {$310.00} sent to me by paper check and for my account to be marked paid in full. In my state if a company isn't licensed they can't charge fees or interest. They claim to be exempt from the law, they are a native american tribal lending company. I have revocated automatic achieve authorizations and wage assignment 's from them also.
Consumer complaint received 2020-11-15
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: Experian Information Solutions Inc. (NC)

I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2020-07-22
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: Bread Financial Holdings, Inc. (OK)

I was reviewing my credit report and XXXX XXXX and seen an hard inquiry from Comenity Bank/expres Inquiry from XX/XX/2019. There was no information for me to dispute with the company. I did not make this Inquiry. I would like this investigated and removed from my credit.
Consumer complaint received 2018-07-05
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. (MO)

There's 3 accounts on my report inwhich are not mines, nor do I know who added me to them. Please remove these accounts. 1 ) XXXX XXXX XXXX, ( 2 ) XXXX, ( 3 ) XXXX XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (CA)

I have received multiple phone calls from this agency within 2 hour time-frame after confirming my information. I told the agent XXXX to stop calling me then I received another call 1 minute later stating she was going to tell her client I decided not to resolve my account without any conversation about the balance owed. She then transferred me to her manager XXXX agent XXXX and XXXX tried to say XXXX had a right to call back. I explained they were breaking laws of FDCPA. XXXX stated she would place Cease and Desist w/out me stating to do so. I asked XXXX to transfer me to her legal department where my call when then disconnected.
Consumer complaint received 2022-09-14
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: SYNCHRONY FINANCIAL (CA)

XXXX inquiry XX/XX/XXXX XXXX still shows on my credit report. Can it be removed? 

XXXX inquiry XX/XX/2021 still shows on my credit card can it be removed? 
SYNCB/PayPal XXXX still shows on my credit report can it be removed please.
Consumer complaint received 2020-06-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliant Capital Management LLC (MS)

The company called my place of employment on XX/XX/XXXX. I sent a cease and desist letter to them. They sold the debt to Alliant Capital Management on XX/XX/2020. I never received proof of validity from either company. Alliant Capital Management called my place of employment on XX/XX/2020. I am sending them a cease and desist letter as well.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX. XXXX, 2024 I placed a call to Capital One Customer Service in regards to charges that were previously disputed back in XXXX reappearing again. I called to file a second dispute about these charges and informed them of what took place during the initial dispute back in XXXX. The agent then stated that he would have to close my card again and order a new card. I empathetically declined the proposal to shut down my card and explained why. Nonetheless the agent continued to push the issue of closing my card as I continued to decline authorization to do so. I then asked to escalate the call with a supervisor. At this time the representative transferred me, but did not in any fashion tell me that he was in fact closing my active card at that time. When the call was transferred the supervisor informed me that my card had been cancelled. This was again done without my acknowledgement or authorization for that matter. I expressed my dissatisfaction about this being done. He explained when the representative before opened the dispute he closed my card. I asked how can this be done if it wasn't fully communicated and I didn't authorize it. He stated " Well I am telling you now what is happening and I can't reverse it. '' At this time even with this done the least they could've done was reverse this since I didn't authorize it or issue and expedite a new card. None of this was done. On XXXX I called back in and spoke with XXXX who confirmed that they didn't reissue me a new card.. She then issued me a new card .... My problem is the violation of the Reg Rules that were violated by Capital One during this issue. Not only am I complaining, but I am calling on the CFPB to intervene.
Consumer complaint received 2021-03-25
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. (AZ)

Have submitted ALL required documentation to report & block ( remove ) accounts that where reported as identity theft. Ive submitted : - a letter notifying bureau of identity theft - Identity theft report with FTC - Identity theft report with local police dept - list of fraudulent accounts - copy of my drivers license, social security card and recent utility bill.

Ive submitted all the above documentation 3 times with no result.
Consumer complaint received 2020-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) XXXX {$400.00}
Consumer complaint received 2017-08-02
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)

Hello my name is   XXXX   XXXX  . I am a senior citizen. I do n't recall ever applying for any credit accounts. I recently pulled my credit and noticed several errors on my credit profile. I have not authorized anyone to apply for any new credit for more than 20 years. I 've contacted the following  XXXX  bureau (  XXXX ,  XXXX , TransUnion ) to inform them that I have several errors on my credit report. I 've contacted all   XXXX    bureau 90 days ago to resolve this matter but it seem that this matter is n't important. I 've mailed off certified letters, police report and more. My lawyer will be sending you a letter concerning a civil lawsuit.
1.  XXXX  2.   XXXX   3. TransUnion 4.   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Consumer complaint received 2021-02-21
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: Experian Information Solutions Inc. (CA)

In XXXX XXXXXX/XX/XXXX XXXX had originally put this account as being late. After disputing with the credit agencies XXXX XX/XX/XXXX XXXX proceeds to update the account being late as of XXXX. Which is completely false I hadn't had XXXXXX/XX/XXXXXXXX for nearly 10 years Until XXXX. And they will not let this fall off my credit And they have lied to keep this 11 year delinquent account on my history.
Consumer complaint received 2020-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (FL)

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ). This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-03-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I called credit acceptance corporation, and told them that the vehicle was stolen XXXX times out of my apartment complex the third time I just let it stay at the impound lot and I called them to tell them to go pick it up from the impound lot. They said thats not their job and I am still responsible so the city of XXXX sold the vehicle, and theyre still reporting on my credit after three years credit acceptance corporation is very rude and unprofessional. I would not recommend them to empty body trying to buy a vehicle because they will screw you.
Consumer complaint received 2022-09-14
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: SYNCHRONY FINANCIAL (NY)

On this date : XXXX XXXX 2022, I closed my PayPal-Master Card Account... Instead of PPM transferring my rewards money to my regular PayPal Account Balance they just took my rewards money without any warning, or made aware of other options regarding my rewards money. They just took it... and I feel robbed! 

I want my rewards money. Who knows how many people this happens to. I earned those rewards, I want them back! 

Thank you in advance and stay well.
Consumer complaint received 2017-09-14
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. (AZ)

My data was affected in the Equifax data breach. I 've attempted to put a security freeze request with them, only to face a busy signal when attempting to call, and a " System currently unavailable - Error 500 '' error on their website when attempting to do this online. A similar error is given when attempting to place a 90 day fraud alert on my file. I 've attempted to do this for several days in a row, being met with the same end result. If I 'm unable to even respond in a proactive manner to this breach once realizing I 've been affected, I 'm left vulnerable to the devices of whomever has stolen my data. This is unacceptable.
Consumer complaint received 2018-07-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CIS DIRECT LENDING (AL)

I requested verification and validation to this alleged debt pursuant to 15 U.S. Code 1692 ( g ) of the Fair Debt Collection Practices Act.  complaint number XXXX I asked for wet ink signatures and by law i can ask for wet ink signatures to prove a legal and alleged claim to a debt. XXXX XXXX XXXX responded with " The copies sent to you will not be wet copies of the signatures as the originals are maintained by a document custodian as required by law. '' Required by what law i need the cited law on this because i have the right to request those document. I have a right to know who hold those original documents with my signature on them. XXXX XXXX XXXX  did not provide those documents because the original note was sold and traded for XXXX.
Consumer complaint received 2018-07-06
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. (GA)

I have disputed this XXXX XXXX Account with Experian over 20 times for disputing inaccurate information. Here it is XX/XX/XXXX and I am demanding to have this issue resolved immediately. I have provided my discharge papers i have held on the phone to dispute this issue all together for over 3 hours. And the Credit Reporting agencies continue to tell me Nomatter how much accurate information that i provide they are going to go off of what the creditor says. I have provided discharge documents from a Judge and Attorney stating that this account was discharged in Bankruptcy in XX/XX/XXXX and  Experian continues to allow XXXX to say an do what they want. XXXX is stating that the account was discharged in XX/XX/XXXX which is incorrect. I Feel like i have all rights to sue this company because it is damaging my credit and ability to purchase anything! This is the second time i have disputed this with your company
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I was given a check to cash for a friend whom seemed to be legit. I asked the gentleman banker if I were to try to cash it at the atm, if it would work for the larger amount needing to be cashed. He said yes and that only A portion would be anvailable right away. But that didnt matter because I funded the check cashing from my savings account with enough Money to Cover the full amount, but waited to do so until the check cleared. And the check was cashed at the atm of the Wells Fargo branch and within a couple days it was shown as deposited in my account. I had the funds to cash the check for the individual and it was all fine. Until the check was returned claiming to be a forged check after the cash had been withdrawn from my account already. But my account was deducted nearly $ XXXX from the bank. And so the bank in question is now not is not reissuing the check or the check was actually forged and the individual in question scammed me. I was then told by someone at another Wells Fargo when I went in after the check had be returned that they wouldve never told me to cash a check of that amount at the atm. So I guess Im filing a formal complaint against both the XXXX XXXX XXXX and the Wells Fargo branch who initially cashed the check.
Consumer complaint received 2021-03-25
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 am writing in regard to the above referenced accounts and transactions. I have continued to call and write to the companies and the credit bureaus about my credit report. I do not get responses from no one. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} I have contacted the creditors and the bureaus in hopes of getting this matter resolved. They have not responded to any of my request via phone or in writting.
Consumer complaint received 2021-07-15
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. (MI)

XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$27000.00} Account status - Open Date opened - XX/XX/XXXX Account type - Auto Loan This is a fraudulently opened account XXXX XXXX XXXX  XXXX Account Info Account number - XXXX Balance - {$20000.00} Account status - Open Date opened - XX/XX/XXXX Account type -Auto Loan This is a fraudulently opened account XXXX XXXX XXXX  XXXX Account Info Account number - XXXX Balance - {$24000.00} Account status - Open Date opened - XX/XX/XXXX Account type -Auto Loan This is a fraudulently opened account XXXX/XXXX  Account Info Account number - XXXX Balance - {$8400.00} Account status - closed Date opened - XX/XX/XXXX Account type - charge This is a fraudulently opened account XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$680.00} Account status - closed Date opened - XX/XX/XXXX Account type - collection
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AZ)

XXXX XXXX XXXX, purchased my " debt '' in XX/XX/XXXX.  I NEVER received a written notice that, A i owed the debt, and B that they owned my debt in the amount of {$610.00} In XXXX my parents received phone calls stating that I owed debt and that they where liable to be sued for the debt even though they had ZERO attachment to said debt. When I called in to find out what was going on, they said either we sue or pay a balance or settle. I told them I was never informed about said " debt ''. Never received a letter stating anything even after that phone conversation. Then in XX/XX/XXXX, XXXX XXXX XXXX filed a civil lawsuit against me for the total balance of {$610.00}. I was served in XXXX of that same year.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX and I recently notice that I have several Fraudulent accounts reporting on my credit report. I was denied credit due to these inaccuracies. Please see attached documentation. These accounts do not belong to me. And this is not a third party submitting this filing.