davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (GA)

I purchased a new phone on XX/XX/2020 through XXXX XXXX ( which goes through TD Retail Card Services ). I received and email welcoming me to XXXX XXXX. This is an excerpt from the third paragraph, " Once you receive your welcome kit in the mail, you will have everything you need to finish setting up your XXXX XXXX online account profile. '' I never received the welcome kit. I waited until XX/XX/XXXX, figuring it was just delayed due to the pandemic. On XX/XX/XXXX I called XXXX and they directed me to contact TD directly. I called and I never got an answer. So I went to their website and clicked the link for if you have trouble accessing your account ( XXXX ). I sent the Email that same day, XX/XX/XXXX, and I didn't receive a response. I called XXXX again on XX/XX/XXXX, again they directed me to contact TD directly. I spent an hour and a half on hold, and sent another email. I finally got a response. They asked for my first and last name, then my zip code. They said they were able to find the account then asked for permission to send me a passcode to the phone number on file. I received the passcode and replied within 1 minute ( I have the timestamps to prove it ). No response. On XX/XX/XXXX I sent them an email stating that I still didn't have access to my account and if I didn't receive a response I'd be contacting the credit bureau ( after further research I realized I needed to contact the CFPB ). I still did not receive a response. I'm trying to purchase a home and I don't know if or when they're going to send me to collections for non payment. I've acted on good faith messaging them, calling them, trying to get them on the phone. I do not have the time or energy to deal with them any longer. I need help.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have sent in a copy of my ID and social security card. I explained I need my personal information updated to reflect my name and address in my driver license due to the fact I feel I may be subject to identity theft. My name is spelled about 5 different ways on my report which is incorrect. I just received a copy of my report and the incorrect information is still on there. I sent in the information abut 30 days ago.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MI)

Resurgent Corporation and LVNV Funding LLC have threatened and harassed me multiple times regarding a debt they state that I owe for XXXX XXXX which I do not. At NO POINT have I ever had an account with RESURGENT OR LVNV but they have placed THREE NEGATIVE ACCOUNTS ON MY XXXX, XXXX and XXXX credit reports causing significant damage to my credit score and effecting my personal life. I have been harrassed and this experience has caused XXXX XXXX  to the point that I have been forced to take XXXX XXXX as well as I am now seeking legal help for the harassment from them. I have requested multiple documented times to receive official signed original copies of ALL contracts stating I agreed to pay the debts they are stating I owe as well as proof that they are licensed to collect debts in the state of Michigan and to no avail I have received no authentic original signed proof on there end that I owe any debt. My next step is to file a suit with 36th district court.
Consumer complaint received 2022-04-30
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX  - Card Service XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

Ever since the government started promising to forgive student loans, my interest rates have risen on both my American education services loan and my private XXXX loans. I feel they are doing this to get the most out of the government forgiveness prior to being forgiven and increasing amounts due to them from the borrower, in the meantime.
Consumer complaint received 2021-10-26
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: National Credit Adjusters, LLC (OH)

This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOTANATTORNEY OR THIRD PARTY REP. The accounts are not mines : XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, NCA # XXXX
Consumer complaint received 2021-04-12
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: SYNCHRONY FINANCIAL (PA)

Early last year I saw a hard inquiry on my credit reports stating someone had attempted to open an account with XXXX XXXX financial services for a credit card. This was not me. I contacted the credit companies, as well as XXXX XXXX, and put a fraud alert on my account. I filed a dispute with the three credit bureaus asking for the information be removed. The credit bureaus state that they merely relay information provided by banks, and I must take it up with the banks. 
Later, this happened again, I had a inquiry stating that an account was attempted to be opened with Lowes, through Syncrony bank. This time I repeated the steps, and filed a police report on the matter. I sent all materials including the police to he credit bureaus, who again told me to take it up with the bank. I contacted XXXX XXXX, and Synchrony bank, who have now been jacking me around for a year, with proof and fair notice of identity theft and that they are reporting fraud on my credit report, and a sworn affidavit of such from me. 
In particular, XXXX XXXX has now sent me a third request asking for my account numbers and things I already sent them. I spent an hour on the phone with XXXX XXXX describing the circumstances, emailing the items and the police report to the supervisor on the phone, then a month later they want to know something more and have me re-send the same information again? 

XXXX XXXX is now participating in the fraud by deliberately stalling fixing their error.
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (FL)

I purchased a home XX/XX/2019 ; during the process my credit was pulled and it reflect a collection account with Diversified management for a XXXX account that I had ALREADY sent to XXXX advising account was fraud also requesting information or proof that I opened the account which to date I have yet to receive. I was forced to pay the account against my will in order to close on my home. I was advice by a manager at diverisified that the account was identified as fraud and would be deleted from my account. This is not month 5 and this fraudulent account is still reporting on my credit report. I have never had sprint ever I am requesting that they delete this account from my credit report as promised
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

I have an AMEX Platinum card and was sent an application for a Gold card which included a XXXX   mileage reward. When I applied I told AMEX ( XX/XX/XXXX ) I thought I once had a Gold card, but AMEX assured me I was eligible. I met the spending requirement and in XX/XX/XXXX not seeing the miles, questioned Amex. The company said the miles would be posted. When the miles did not turn up in XX/XX/XXXX, I called again and was told I was not eligible because I once had a Gold card. I made every effort to clarify my position and believe AMEX owes me the mileage reward.
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonded Business Services, Ltd. (TX)

I'm so confused and I need help. This is approximatly my 10th attempt to get this unvalidated debt off of my credit report. Bonded Business of Colorado is illegally listing {$2000.00} as a collection. I've disputed with them more times than I can remember, and they can only provide lease agreement. That is NOT a valid form of validation for {$2000.00} debt. My signature stating that I lived in that same apartment complex TWICE in 3 years between a 12 month combat XXXX does NOT constitute a validation of these erroneous charges. I've attempted to speak professionaly with them and they hung up in my face three times, and my wife twice within a matter of one minute. They will not communicate with me, they will not validate my debt according to the fair credit reporting act, and the debt isn't listed with the company. The debt is " supposedly '' passed over to XXXX XXXX. I then called " XXXX ''. They stated that they have no idea what debt I'm referring to and then recommended me to call Bonded Business, who told me to call XXXX  who told us to call bonded. They gave us the run around! We called Bonded Business, and they hung up after saying " pay me ''. This company is the single most unprofessional business I have ever seen. The rep sounded as if she was inebriated and basically ignored my questions while reading script. The bottom line is Bonded Business bought a bad debt from the XXXX XXXX XXXX XXXX for {$1400.00}, the XXXX hasn't even validated nor responded to my initial dispute from XX/XX/XXXX 2017. As you can see, they won't respond to the XXXX XXXX XXXX  of Colorado either. I need this corrected as Bonded admittedly stated that the initial debt letter was sent to XXXX Wyoming. I have never been associated with Wyoming in any way. The company has obviously made a mistake in identity and now refuse to remove from my report. They are not legally licensed or permitted to collect in Texas.
Consumer complaint received 2019-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (IL)

Diversified Consultant insist that I had a XXXX phone in my name I have worked for XXXX XXXX XXXX for the last 25 years I have never owned a XXXX phone if there was a XXXX phone in my name it was the result of idenity theft we get free phones at my job. So why would I even own a XXXX   phone. Now Diversified Consultants have bought the account from XXXX and is demanding I settle or pay the bill that I have no knowledge off.
Consumer complaint received 2021-06-28
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. (SC)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-06-27
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-02-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (PA)

MY MOTHER TOOK OUT A LOAN WITH XXXX  ON XX/XX/1998 AND HAD SINGLE LIFE INSURANCE ON THIS LOAN IN CASE OF HER XXXX WHERE THE LOAN WOULD BE PAID OFF SO THAT MY VETERAN FATHER WOULDN'T HAVE TO WORRY ABOUT ANYTHING. 

LAST XXXX THE LOAN WAS TRANSFERRED TO SHELLPOINT MORTGAGE AND SHE WAS TOLD THAT THE INSURANCE CONTINUED WITH THE NEW COMPANY AND NOW THAT SHE HAS XXXX THEY ARE SAYING THAT IT WASN'T TRANSFERABLE AND THEY NEVER TOLD HER OTHER WISE AND NOW SHE HAS XXXX   XXXX.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was offered a 0 % intro on balance transfers and purchases for 15 months By Capital One XXXX XXXX Credit Card. Because of this offer, I was inclined to apply and seconds later I received an email informing me that I was approved. I waited to get my card in the mail. I activated my new card. I set up my online account. I attempted to make my first balance transfer and was not able to successfully complete. I called customer service and the first person informed me that if I was given an offer then it must be given to me. The representative could not help me but transferred me to a representative that could. I was transferred to a female that with the name of XXXX XXXX id # # XXXX. XXXX informed me that the terms were changed, I was given an alternate product and I was given the option to accept, and I accepted. However, I never was given the option of alternative terms and I was never notified in writing or email of said alternate terms. The terms in the documents that were sent to me via email never mentioned that I was not approved for my initial offer. It only spelled out the transfer fee of 3 %. Nowhere in the documents was it written that I could not make balance transfers and that I was not approved for that benefit of this card. XXXX XXXX informed me that if I didn't like it then I can close the account and that I could not escalate the matter or dispute the matter any further than her. She told me she has a supervisor but does not get involved in customer matters.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I purchased an item from a merchant but they were not responding to my multiple requests to return the item. Finally they sent me the return label and I returned the item but Citi Bank is refusing to credit my account for the returned item. See attachments.
Consumer complaint received 2019-08-18
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AES/PHEAA (OH)

While I was in near XXXX, Minnesota on Tuesday XX/XX/2019, I was awoken by a call from American Education Services at XXXX XXXX local time.I contacted the company via the same number they called from, XXXX and asked to speak to them regarding the matter. I was informed they had no record of a call at this time but had one from later in the morning, closer to XXXX.
Consumer complaint received 2023-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (IL)

XX/XX/2023 Mortgage payment for XX/XX/2023 wasnt applied to my XXXX XXXX payment. Requesting flagstar bank correct Errors. Account XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (CA)

On XX/XX/2018, I contacted Sterling Talent Solutions in an effort to understand what information on a background check they provided to XXXX   caused XXXX to disengage me from their platform. On XX/XX/2018, Sterling responded, requesting personal information from me so that they would be able to retrieve a copy of this report. I provided them with the information requested, and have attached a copy of the e-mails I sent to them. I also attached a copy of my California driver 's license. 

Sterling seemingly found the information sufficient so as to release a copy of the report to me. The envelope arrive yesterday, XX/XX/2018. To my surprise, Sterling had not sent me a copy of MY report ; instead, I found a copy of another driver 's confidential background check ( copy attached ). 

I have reached out to both XXXX and Sterling to make them aware of this breach of the other person 's private information and confidentiality.
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Best Service Co.,Inc (CA)

I was never served by this company. They pretended to serve me in order to obtain a default judgment on a debt that was not mine. They are crooked and unethical and have tried attaching bank accounts of mine to try to collect debt that is not mine. Years ago, I retained a lawyer for this matter who obtained an agreement from them to stop illegally pursuing me. 


THE BEST SERVICE COMPANY Inquired on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-17
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. (CA)

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PC LEGAL SERVICES, LLC (TX)

On Friday XX/XX/2018 at XXXX hours a call was received at my employer from XXXX by an individual who refused to identify their name, business name, or nature of call. The individual asked to speak with a " manager or supervisor '' and explained the information related to the call could only be provided directly to a manager or supervisor. I then transferred the individual to the our chapter 's executive director who received my protected information from the individual. The caller provided my supervisor, my name, detailed information regarding the alleged debt, specific instructions for me to contact the company back within 2 hours to prevent escalation to the human resources department of my employer, and that documents would be served summonsing me to appear in court. Provided case number. Asked to return call to XXXX. 

On Monday XX/XX/2018 at XXXX hours a call was again received at my employer from an anonymous number by an individual who refused to identify their name, business name, or nature of call. The individual provided my colleague with my name, detailed information regarding the alleged debt, specific instructions for me to contact the company back within 2 hours to prevent escalation to the human resources department of my employer, and that documents would  be served summonsing me to appear in court. Provided case number. Asked to return call to XXXX. 

Outbound contact made to XXXX at XXXX. Receptionist answered and identified the business as " corporate offices ''. Inquiry as to the name of the business at XXXX and receptionist explained it was a switchboard and he did not know. Attempted transfer to XXXX but no one answered. No voicemail left. 

Received a call and voicemail from XXXX. Returned XXXX 's call who explained that my case was out for processing with a document service company, XXXX XXXX XXXX, and that he only worked for the XXXX XXXX XXXX XXXX. Inquiry was made as to the nature of the contacts made to my employer. XXXX explained he couldn't provide any information. I inquired about what documents were being processed and when I would receive them to which XXXX stated 3-4 weeks. He then proceeded to give me a balance of {$1700.00} owed but refused to provide the name of debtor. XXXX stated " Do you plan to resolve the balance today? '' and stated " We deposited {$1500.00} into your ( states name of bank ) on ( provided date of deposit ) so you can look in your account and find the name of the creditor ''. He perpetuated collection tactics and became abusive and aggressive when additional questions I asked to validate the debt. XXXX provided an address of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX