davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (CA)

In XX/XX/XXXX I received a phone call from XXXX XXXX regarding a debt. The man I spoke to said he was trying to collect a balance that was delinquent of {$1700.00} from XXXX XXXX. I told the agency that I do n't have an account with XXXX. I never requested an alarm system. I told Hillcrest to send a copy of the contract I supposedly signed. Hillcrest said it had to request the copy from XXXX.Till this day I have n't received any paperwork. I called XXXX on XX/XX/XXXX spoke to XXXX regarding a copy of the contract she said I had to go through Hillcrest. I told XXXX that Hillcrest said they had to request it from XXXX. I asked to speak to a manager. I spoke to XXXX she is a supervisor. XXXX told the same thing XXXX said. Then I asked to speak to XXXX 's manager. I spoke to XXXX the manager. She said she would email me what documentation she had by end of day. I 'm still waiting. I never spoke to XXXX XXXX in person, by phone, email, etc regarding an alarm system. I never authorized XXXX XXXX to run my credit.
Consumer complaint received 2021-11-01
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-04-09
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2020-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the XXXX XXXX and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.
Consumer complaint received 2020-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (MI)

Pendrick Capital Partners, LLC has attempted to collect a debt from me using multiple debt collection companies. The first attempt was by Affiliate Asset Solutions , LLC in XXXX of XXXX. A timely request for validation of debt was made on XX/XX/XXXX to Affiliate Asset Solutions, and no response was sent. I believed the issue to be resolved. 

However, Pendrick Capital Partners used a second collection agency to attempt to collect this debt again in XX/XX/XXXX. This agency is XXXX XXXX XXXX. A request to validate this debt has been sent on XX/XX/XXXX. The only explanation I can think of for Pendrick Capital Partners to use a different collection agency is to get around the requirement to not contact me without validating the debt first. At this point, I feel that I am being harassed in an attempt to collect a debt that is not mine. 

I attempted to call Pendrick Capital Partners to send them a letter, but they insist that all communication about the debt go through their debt collection agency.
Consumer complaint received 2020-07-23
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. (VA)

XXXX XXXX credit card charged off XXXX still appears on my credit report. 

XXXX XXXX reaged the debt to make it look like it was charged off XXXX. 
It still remains on my credit file as a currently deliquent account. They have falsely claimed it was charged off XXXX. It was charged off XX/XX/XXXX Which is 7 years ago.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY ()

XXXX : Case Number : XXXX The issue is that I did not then, and still do not now have either an ATM or a Debit card that allows me to withdraw money from my account while I am overseas. So XXXX XXXX has totally missed the point. 

While it is correct that I don't have a US phone number to which the Bank could send me the one-time code, that is not the issue. My issue is that the bank needs to have ALTERNATIVE SYSTEMS IN PLACE so that customers who find themselves in the position that I am in, are able, by some other means than having a US phone number, STILL be able to get an ATM or Debit card while overseas. 

Furthermore, It is TOTALLY UNREASONABLE for the bank to take the position that the only way that this deficiency in their system could be resolved, is for me to return to the USA in order to get an ATM/Debit card. These observations are made in view of the fact that : Firstly : All reports suggest that currently, in the USA, the impact of COVID 19 and its variants is quite severe, therefore I do not want to return to the USA under these specific circumstances Secondly : However, The cost of returning to the USA is price prohibitive. 

Thirdly : The bank needs to have systems in place that customers in my position could use. 

Fourthly : When during my conversation with the CSR on XXXX XX/XX/2020 I had asked for the issue to be escalated upwards that was because there were no avenues for resolution with that CSR. I also found out that the bank could not even send me an XXXX XXXX, which would have been an alternative means by which the bank could verify my identity. So it is clear that XXXX XXXX who reviewed the complaint did not do a thorough review of the matter. 

Yes, I did ask for the matter to be escalated upwards as I was not getting any satisfaction. Hence the length of time spent on trying to resolve the matter. This extended time on the phone was as a result of the Bank 's inefficiency to adequately resolve the matter. Hence, under these circumstances, it is normal for the Bank to compensate me for the long time that I needed to spend on the phone with the various members of their staff. 

Lastly I also ask that the Bank communicates with me about this matter through my email address and not by mail through my XXXX XXXX address which is very expensive for me to Retrieve any correspondence sent to me there.
Consumer complaint received 2020-07-23
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: WELLS FARGO & COMPANY (VA)

Wells Fargo credit card charged off XXXX still appears on my credit report. 

Wells Fargo reaged the debt to make it look like it was charged off XXXX. 
It still remains on my credit file as a currently deliquent account. They have falsely claimed it was charged off XXXX. It was charged off XX/XX/XXXX Which is 7 years ago.
Consumer complaint received 2020-11-16
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: Credence Resource Management, LLC (CA)

On XXXX XXXX I sent in a letter of validation to Credence Resource Management. I was asking for validation of this account I NEVER said it was fraud. They sent me fraud packet WHY??? Is this their way of prolonging doing their jobs? I am trying to fix my credit and this is just a stall tactic on their part. So now I have to spend more time fighting this over their mistake. I have attached the letter I sent in XXXX and the fraud packet they sent me you can clearly see I DIDNT ask for a fraud packet
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

This mortgage was an individual mortgage account opened by me ( XXXX XXXX ) not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.
Consumer complaint received 2020-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (DC)

My lease with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - which I signed with 3 other roommates - ended in XX/XX/2019 before the lease ended. I have tried to get the collection company, National Credit Systems, and XXXX XXXX XXXX to allow me to settle my portion of the debt so that I can remove this from my credit report. 

My credit report shows that I owe {$14000.00} - which is incorrect. However, since I was one of four roommates and my portion of these costs should be 1/4 of that total. 

I am looking to settle this account as soon as possible as it is preventing me from getting a mortgage. I have asked XXXX XXXX XXXX and National Credit Systems to please provide a breakdown of the costs that are owed by me ( 1/4 of the total ) and any settlement offer to settle this account immediately, which would include noting on my credit report that this account has been settled and is paid and satisfied. They have refused, which is unfair since I was only responsible for one-fourth of the rent payments under the lease.
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i was offered {$300.00} if i opened a business checking and credit cards with bank of america after a bank visit. then i opened it in XXXX with the help of XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

i met the conditions for the {$300.00} bonus. but i have not yet received the bonus. i went back to the branch and checked with XXXX XXXX. He confirmed that all conditions were met and he submitted a request to the back office. it 's not resolved and then he requested again. still so far, i have n't seen my bonus yet.
Consumer complaint received 2021-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am very upset over the credit report. This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. This account resulted due to identity theft. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this account from my credit report immediately! 
ONLY TRANSUNION HAS REPORTED THIS NEGATIVE ACCOUNT ON MY CREDIT HISTORY.
Consumer complaint received 2020-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (KS)

On XX/XX/20 I sent a letter to McCarthy Burgess & Wolff stating that I was a victim of identity theft ( XXXX_signed copy _Identity Theft Letter to Debt Collector_ McCarthy_Burgess_Wolff ) The letter was sent Certified Mail Return Receipt, with a tracking # XXXX, and was in McCarthy Burgess Wolffs possession as of XX/XX/20. 
The letter explained to McCarthy Burgess Wolff that I am a victim of identity theft. In addition, the letter informed McCarthy Burgess Wolffs responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
McCarthy Burgess WolfXXXX was asked to provide me with the records I requested ( XXXX_signed copy _Identity Theft Letter to Debt Collector_ McCarthy_Burgess_Wolff ). 
Again, McCarthy Burgess Wolff was in receipt of this request on XX/XX/20. The 30-day deadline for me receiving the required documents has passed as of XX/XX/20. 
Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. 
The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( e ). Each guidance document states that businesses must provide records directly to victims upon request. 
Despite the FCRA 's requirement, McCarthy Burgess Wolff has declined to provide the records I requested.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CT)

Just over a year ago my wife and I applied for a secured credit card with TD bank after having our bankruptcy discharged the previous year. We were told that it would take about 6-7 months and they would upgrade us to a regular card. We had to put some money into a savings account that would not be accessible. We each put {$1000.00}. It's been more than a year and we asked the bank to let us know why we are not getting upgraded and to give us a date. They have not provided us with that info. We have paid our balances always on time and pretty much in full. Our credit scores are in XXXX-XXXX 's.
Consumer complaint received 2020-07-23
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: Experian Information Solutions Inc. (LA)

Contacted Experian, XXXX, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-07-23
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: EQUIFAX, INC. (LA)

Contacted XXXX XXXX and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I sent Experian another request to correct my personal information and they are stalling. They sent me some email letter stating they recevied a letter from me about identity theft which is not the case. Attached is the letter ( email they sent me ) and the letter i sent them to request my information to be corrected as they are continuing to have inacurate information and employment that isn't correct on my personal information. I sent them my ID, Proof of address with my utility bill and they are playing delay games. See below and attached and update this information asap. 

I recently reviewed my credit profile and noticed inaccuracies, false accusations, and fraudulent reporting of accounts. Anything that does show the most accurate information like my legal full name is exactly : My full name : My current address : My SSN : My date of birth : Below are the inaccurate items with instructions on how to proceed : Any addresses, employment, and phone numbers listed on my credit report aside from these details above should be immediately removed. 
Please delete all personal information aside from this if you can't provide evidentiary PROOF the legal right to retain such information. Once you have updated, please mail me an updated copy of my credit report. 
I appreciate your full attention to my request ; and your cooperation in speedily bringing my credit report into compliance. 
Below you are still showing inaccurate information : After my last request from XX/XX/XXXX  you are continuing to violate my rights by sharing my information without my permission as seen below from the last credit report pulled by me XXXX XXXX nor did you send me a copy which is my right to my address XXXX XXXX XXXX XXXX, TN XXXX as requested. Delete all of this personal information as requested above and in my former request that isn't correct. 

Any addresses, employment, and phone numbers listed on my credit report aside from these details above and attached should be immediately removed. 

Thank you for your assistance! 
XXXX XXXX
Consumer complaint received 2020-11-16
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: DriveTime (CA)

I DONT RECOGNIZE THE INFORMATION FROM DT CREDIT ... IT WASNT ME..PLEASE REMOVE INQUIRIES ... DATE IS XX/XX/2020 ... AND XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-07-23
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. (OH)

Experian continues to report a collection account from XXXX XXXX XXXX on my credit report to which a validation letter sent to them certified mail and a complaint filed on this website against this company and the collection company replied that they would have Experian REMOVE this bogus account from my credit report. 

Company responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response We have taken the necessary steps to remove this debt from the consumer 's credit report. The action will take place within 30 days of XX/XX/2020. No, follow up is needed, Experian will update the reporting after 30 days of the date provided.
Consumer complaint received 2021-04-09
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: Experian Information Solutions Inc. (GA)

I received an email about a decrease in my consumer report. When I checked my report, I notice my consumer report has unauthorized accounts. XXXX  has reported these accounts without my consent. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. I have terribly been violated of my rights as a consumer. According to federal law, it states To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX XXXX, or Experian any written consent to report anything on my consumer report, No consent is identity THEFT.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have logged in to my credit monitoring and found that a positive account XXXX with Account No. XXXX is not being reported in one credit bureau which is Equifax but is reported in the other two - XXXX and XXXX I am confused as to why so I sent them a letter to have this account reported as this is tremendously hurting my score. I am trying to be approved for something and that is why it is important for me to have all of the positive accounts that would help my score to be reported as much as possible.
Consumer complaint received 2020-07-23
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. (DC)

XXXX was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, XXXX XXXX became my new servicer. I have appealed to XXXX to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. XXXX refuses to correct this information because they said they were not my servicer during this period. I need XXXX to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.
Consumer complaint received 2021-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received an email about a decrease in my consumer report. When I checked my report, I notice my consumer report has unauthorized accounts. TransUnion has reported these accounts without my consent. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related. I have terribly been violated of my rights as a consumer. According to federal law, it states To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, TRANSUNION, or XXXX any written consent to report anything on my consumer report, No consent is identity THEFT.