davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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. (GA)

I am sending a complaint due to Bureaus failure to respond to my dispute in over 60 days and I HAVE NOT received a copy of my credit report which I find alarming, considering I sent out a letter about two months ago. Their lack of response is a clear violation of my rights to have accurate and verifiable information reporting against me. I have given them opportunities to correct the inaccuracies and verify the accuracy and they have failed to do either of them. This is my request for the removal of the disputed accounts from my credit report due to the lack of verification. If they refuse to accept this as an acceptable settlement for their lack of verification then I may escalate this matter. 
My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong individual. Thank You.
Consumer complaint received 2020-07-10
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Morgan & Associates, P.C. (MO)

Hello-I am in the process of obtaining a mortgage. The credit card debt was paid in XX/XX/XXXX through a wage garnishment but the attorney ( Morgan and Associates XXXX XXXX XXXX XXXX OK XXXX ) has not provided me a Satisfaction of Judgement to me after my request in XXXX XXXX nor provided the XXXX XXXX MO Court System a release of debt. I am in danger of losing this mortgage due to this matter.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

I have had a {$2000.00} credit limit with Synchony Bank 's XXXX card for a year. I have always paid on time and have used the card for many of my purchases. I recently paid it off and suddenly they lowered my limit to {$250.00}. The bank is trying to tell me that it's an " automated process '' but this feels predatory on both parts as they lure you in with a higher credit limit to make a large purchase that will be interest free if you pay it off within a certain time. I paid it off within that time and suddenly my limit is lowered and I can barely use it for anything. The lowered limit has hurt my credit now and I am furious.
Consumer complaint received 2019-02-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TX)

I submitted several transfers with TransferWise ( one on XX/XX/XXXX for XXXX, XX/XX/XXXX XXXX and XXXX, XXXX, XXXX, XXXX - further details in this image - XXXX ). Of these 6 transfers, none of them went through until we called and spoke with TransferWise on 5 separate occasions, taking us into XX/XX/XXXX. In XX/XX/XXXX, the TransferWise rep told us the money would be refunded into our XXXX account and it would take 10 days. Then, rather than getting the refund, transfers started going through to the US account ( XX/XX/XXXX for {$350.00}, XX/XX/XXXXfor $ XXXX, XX/XX/XXXX for $ XXXX ). Now in XX/XX/XXXX, were still waiting for a refund in the amount of approximately {$400.00} + a refund of the XXXX in transaction fees, which was also discussed with the TransferWise agent.
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (TX)

The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX, XXXX does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2020-11-23
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: 4M Collections, LLC (OR)

On XX/XX/XXXX, SOLVERITY add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOLVERITY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2017-11-07
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: CITIBANK, N.A. (FL)

On XXXX XXXX or XXXX, I first notified CitiCards by phone about fraudulent charges in the amounts of {$2000.00} and {$1000.00} on my XXXX XXXX XXXX XXXX that posted on XXXX XXXX and XXXX, respectively. I have spoken to at least 20 people in various departments of CitiCards and CitiBank, including CitiPhone, Security Services, and Customer Service. Not once has a single person at XXXX offered me a reference number or case number, let alone a single person or department to contact. 

I was shocked today to be told by a supervisor in CitiCards Security Services named XXXX that the fraud investigator has denied my claim after supposedly determining that the {$3000.00} had been transferred into my bank account. Note that this is completely contrary to what XXXX at CitiPhone ( banking side ) determined on XXXX XXXX when she confirmed my only CitiBank account ( CitiGold checking acct. XXXX ) was fully closed on XXXX/XXXX/XXXX ( after initially being cancelled by me around XXXX of XXXX ). XXXX confirmed there were no successful transfers into my Citibank account, stating attempted transfers were not posted. XXXX made notes in my account clearly stating this, and yet the fraud investigator ignored those notes. I do not have, nor have I ever had, the {$3000.00} or any part of it.
Consumer complaint received 2022-03-01
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. (NY)

This is so despairing. What is happening with you ( CFPB ) and the bureau ( EQUIFAX )? FYI, I have submitted this complaint 4 times already & you still claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm sick and tired of this! The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ( Original XXXX : XXXX  ) XXXX
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NC)

On XX/XX/2020 {$3800.00} XXXX was transferred from XXXX XXXX XXXX checking ) to TD bank ( checking ). A review of my account on Monday XX/XX/2020 and observed the {$3800.00} in my checking account. On Tuesday XX/XX/2020 the {$3800.00} was removed from my account. Subsequent telephone calls with TD bank representatives indicated no transfer or a deposit of {$3800.00} was debited to my TD bank account. XXXX XXXX  provided a transaction number and verified the TD bank account number. I have spent several days inquiring about this issue.
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

A collection agency named Portfolio Recovery just reported a {$3500.00} collection account on my credit report. I have no idea what this is, and I don't think it belongs to me. Prior to this account appearing on my report, I did not receive a notice of my right to dispute. If I had, I would have contested this debt before they reported it. By reporting it without any kind of notice, they have violated my rights under federal collection laws.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

From what I know, as per FCRA 605B, wrongly reported accounts should be removed from credit reports. I'm not sure about the details, but please examine the accounts in the documents. They're reported incorrectly on my credit, and it's making me upset. I really need your assistance.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have disputed the fact that Portfolio Recovery Associates, XXXX has NO right to collect on any debt in my name. I affirm nor deny any mentioned debt. Attached is an attempt to collect a debt claimed owed by me by a company impersonating a law firm. Under FCRA 15 U.S Code 1692e ( 3 ), the use or impersonation of a government or law firm entity is violation of my rights and subject to litigation. I am demanding that this entry be deleted if need be from my report and Portfolio Recovery Associates compensates me no less than {$1000.00}.
Consumer complaint received 2021-07-20
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. (MD)

EQUIFAX Continues reporting information more than 30 days after investigation of debt verification XXXX , XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX, SC XXXX
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (TX)

XXXX XXXX is being reported on my Experian, XXXX, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2019-11-05
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. (TX)

XXXX XXXX is being reported on my XXXX, Transunion, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (AK)

My mortgage servicer, Specialized Loan Servicing has reported an increase in my mortgage balance to the credit bureaus for the THIRD TIME since I have been on a forbearance plan with them. On XX/XX/2021 Specialized Loan Servicing reported to XXXX  and XXXX that my mortgage balance is {$120000.00}, an increase of {$9000.00}. This, like the previous reported increases, has had a very negative effect on my credit. My billing statement from Specialized Loan Servicing dated XX/XX/2021 shows a balance of {$110000.00}. I filed a complaint with CFPB the second time Specialized Loan Servicing reported an increase on my mortgage dated XXXX XXXX XXXX complaint # XXXX. I reserve any and all rights to seek legal action in this matter.
Consumer complaint received 2020-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Monterey Financial Services LLC (CA)

My complaint is against Monterey Collections, first I want to mention that I had sent them a cease and desist since I never agreed to work with their organization nor did I receive a documentation stating that I would agree to work with their company and they failed to abide by the cease and desist. Additionally, Monterey Collections has portrayed themselves as Attorneys on my credit reports. I had contacted both the original creditor and the collection agency relentlessly for cancellation options.

We weren't even coherent and yet they fail to assist us! We never used the timeshare either and had mentioned to mutually cancel the contract based on the circumstances and yet the original credit failed to respond to us. Finally, they informed us after months it was cancelled, we were never informed it was going to collections or had any idea until we received a letter say they can put a judgement against us!? We were trapped, poisoned, did not understand the contract of what we were signing into this contract. I then lost my job so contacted them for option in which everyone failed us! Now, Monterey collections has been adding fees at an alarming rate to our reports and affecting our ability to obtain credit. I DEMAND THIS REMOVED FROM BOTH OF OUR REPORTS, WE FEEL WE ARE BEING FORCED TO WORK WITH THIS COMPANY OTHERWISE THEY WILL RUIN OUR CREDIT, THEY FAIL TO PROVIDE US WITH OPTIONS, WE NEVER AGREED TO WORK WITH THEM AND THEY NEVER PROVIDED PROOF OF DOCUMENTATION. THEY ARE REPORTING PAYMENT HISTORY WHEN WE NEVER SIGNED UP WITH THEM, THEY ARE REPORTING PAST DUE ON AN ACCOUNT WE NEVER SIGNED AN AGREEMENT WITH THEM FOR. THEY ARE ADDING INCREASING FEES AND THE REPORTS DO NOT MATCH DELETE THIS ACCOUNT FROM MY REPORTS IMMEDIATELY AS I WOULD LIKE TO CEASE ALL COMMUNICATION AND ATTEMPTS TO WORK WITH YOUR COMPANY, AS WELL AS PROVIDING PROOF THAT MY ACCOUNT HAS BEEN CANCELED.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CT)

A loan account with XXXX is reported as sold to Cach LLC aka Resurgent Capital Services, a separate complaint was made against Resurgent. The terms of XXXX loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to Cach LLC, the parent company by the name of Resurgent replied to complaint which I copied below, their rep states record does not show any account with Cach LLC. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

Resurgent response : We are unable to locate a CACH account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2021-09-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Upgrade, Inc. (CA)

I have reported to the company that I no longer have access to my online dashboard of account that shows the progress I'm making in paying off this debt. 

There has been no response after two emails. Emails are the only way I can seem to contact them as there is no phone number on their website. 

This is causing me terrible XXXX  because I'm afraid I've been schemed out of my car title AND I'm paying them {$890.00} each month but I receive no monthly statements or online access. 

I have emailed them at customerservice@upgrade.com and at contact@upgrade.com. I receive a canned response that " we've received your email and we'll get back to you within 3-5 days ''.
Consumer complaint received 2021-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am consumer XXXX XXXX, and I do not owe the debt that CAPITAL ONE states. CAPITAL ONE continues to violate my federally protected consumer rights. I've demanded a debt validation and I've demanded a binding contract with both my signature and CAPITAL ONE to prove alleged debt. CAPITAL ONE refuses to send accounting of alleged debt. CAPITAL ONE continues to harass me as the consumer over alleged debt that is not owed. CAPITAL ONE refuses to Cease and Desist communications on all mediums in which was posted in prior complaints.
Consumer complaint received 2021-06-30
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: Stern Recovery Services, Inc. (NC)

When I checked my credit report and I have been checking it for the past months, these accounts are still here reporting in such a way that is derogatory and it affects my standing so bad. I am trying to build my credit and sorting things out. I want to ask for help regarding these accounts. These accounts are reporting collections yet it has a lot of missing information. Please help me out and have them removed.