davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (PA)

On XX/XX/XXXX I had contacted Radius Global to pay off a collection account in full. As I'm a veteran, I have been in a process of being able to get approved for a VA home loan. Upon speaking with the financing company, it was plainly stated that the only element stopping me was the collection account from Radius Global. 

The account was sent to them from the XXXX XXXX XXXX, in the amount of {$410.00}. I had spent a year in battle between the property management company, and the XXXX XXXX XXXX trying to resolve the issue. 

In XX/XX/XXXX I had to relocate from my apartment in XXXX back to XXXX. Upon my move-out, around XXXX I was informed that there would be no technicians available to get a meter reading as they were short staffed because of the XXXX pandemic. The property stated that everything was okay and they would be in communication to ensure the electric service would be reverted back to them. THEY NEVER FOLLOWED THROUGH. It was months until anything changed- until a new tenant set up service. So all heating through the winter, electricity used when they were doing any improvements or even showing the unit WAS AT MY EXPENSE.

I'd requested that Radius Global delete the account in return for my payment so I can simply move on with my life. A representative transferred me to a manager, for him to say " we don't do that '' and that he could forward a request to the " department '' in charge of credit reporting. But in his opinion, my reason for the request was based on " want '' and not " need ''. 

This is a disgusting practice, as I've been wronged by a total of 3 different business throughout the entire endeavor. I was offering payment on a silver platter, and after telling my story I was told it was my fault because I should have told them to shut off the electric service. The man cared nothing more than making himself feel superior because I suppose he's never had to fight so much to pay for something he never even utilized just to simply use a benefit he's entitled to. 

There is absolutely NO REASON for a company who never had anything to do with the debt other than buying it from someone else to keep something like that on a report. I suppose I'll live in my apartment in a progressively more unsafe area forever because a company is lazy. So much for utilizing the benefits I sacrificed years of my life for.
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/18 I opened a BBVA Clear Connect Checking account with Promotion code : XXXX. This promotion is for {$100.00} deposited into checking account after meeting a requirement. I completed this requirement by processing a bill pay to a cable company for {$25.00} on XX/XX/18. The terms of the offer state that the checking account bonus will be deposited within 90 days of meeting the terms. Seeing that it is now beyond 90 days and BBVA refuses to acknowledge this, I am filing a formal complaint.
Consumer complaint received 2018-09-23
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: Early Warning Services, LLC (FM)

I have been challenging the XXXX XXXX XXXX account listed on my report for one year now. Finally, XXXX   XXXX XXXX concluded their investigation and decided in my favor to remove the account listed on my report. it was opened due to fraud and i opened a police report. I have been embarrassed for over one year when trying to open an account. I couldnt even get a job in the bank because of this.
Consumer complaint received 2023-02-15
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. (TX)

I have been trying to fix this issue since last year. fraudulent charges were maid to my sears account several months ago I have call them numerous times even got a letter in the mail which I still have about the charges being removed but I'm still getting this messages about it. I even when on to cancel the credit card so no more charges would be made. Now I don't know what else to do since sears credit card is not fixing this issue.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

A company by the name of Sequium Asset Solutions placed a collection notice on my credit report on or about XX/XX/XXXX. They did not list the amount and this was the first I had heard of this. No prior notice of any kind. I contact the company and they said it was for {$210.00}. and was for cable service to a address that I have not lived at since XXXX. I ask that they provide me with a validation of debt of they said they could not do that. They had no information of what the debt was about. Then I ask this to be removed from my credit report until it was determined to be a valid debt. I told them I could not confirm or deny the debt without additional information, but they stated they had no other information in the file. I requested once again that they removed the collection notice from my credit report until the validity of the debt was confirmed.
Consumer complaint received 2020-07-27
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : 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 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX/XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I responded to a XXXX ad to buy 3 XXXX concert tickets on XX/XX/22, the day of the concert. After some text message correspondence the seller and I agreed on 3 tickets for {$320.00}. I agreed to make the payment via XXXX and to receive the tickets through our XXXX account. The seller called me to walk me through transferring the money from my XXXX account to his, he seemed pleasant and helpful. He was on the phone with me until I confirmed the funds were transferred and he had me email him a screen shot that the transaction was completed. The minute he got the email confirmation from me he hung up and ignored my calls and emails. I called him from a different phone number and he answered but hung up as soon as I told him who I was. I called XXXX XXXX within 5 minutes of making the payment and they advised there was nothing they could do. I then called the local sheriff and they sent an officer to take my report. The officer said there was nothing they could do. I cant believe XXXX XXXX would allow this type of service to be used through their banking sites. XXXX has no protection for consumers and makes it easy for scammers to take advantage. I trusted my bank and I feel violated because XXXX XXXX offered the XXXX service directly from their app.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Last XX/XX/XXXX, I sent this credit bureau a copy of my FTC ID THEFT REPORT, a copy of my police report and a letter requesting to removed accounts : XXXX XXXX XXXX ac # XXXX and XXXX account XXXX ac # XXXX ( high balance {$26000.00}, opened XX/XX/XXXX ). On the letter I sent to this credit bureau, I quoted the stipulations of FCRA 605B which states that " a reported fraudulent account, with required documentations MUST be removed within 4 business days upon receipt ''. Again the letter, FTC ID THEFT REPORT and POLICE REPORT was sent to them XX/XX/XXXX. Clearly, this credit bureau has violated and showed negligence and none compliance with the FCRA stipulations. I will see legal assistance if these accounts will continue to be reported.
Consumer complaint received 2018-09-22
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: Insikt, Inc. (AZ)

I responded to an offer thru XXXX XXXX or XXXX XXXX. The offer was thru XXXX. The site offered a pre approval, and I submitted the pre approval for {$2500.00}. The site told me I was pre approved and asked for all my personal information. After submitting my personal information including my bank login and password. they told me I was only approved for XXXX. This is completely misleading! If they would have told me I was only approved for the XXXX I would have declined to proceed with a credit check. I want that credit inquiry removed and the company investigated for fraudulent business practices. This company completely mislead me.
Consumer complaint received 2023-01-30
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. (IL)

I am a natural person. I am a living human being. I have rights under 15 USC 1681 Transunion XXXX XXXX XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give Transunion XXXX XXXX XXXX permission to furnish these accounts. XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as well as XXXX Inquiries listed on my report that I do not recognize
Consumer complaint received 2020-10-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

I have received numerous and repeated calls from National Credit Adjusters attempting to collect a debt. I have repeatedly asked for proof and verification of this debt and have been refused, I was told " we can't do that ''. I informed the callers multiple times that this is illegal and I would be filing a complaint. I have been the victim of identity theft, case number XXXX, I informed the callers of this also, this item is on my credit report and I want it removed for failure to provide the information I requested on numerous occassions.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my HYUNDAI MOTOR FINANCE accounts. 
I want you to know that I understand my financial obligations, and if it werent for the circumstance that caused me to miss a payments involving months of hospitalizations and back to back XXXX  that were XXXX XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, My circumstances have changed I've improved my money management and I've returned back to work. Since then, I commit to a record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX XXXX
Consumer complaint received 2018-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX XXXX XXXX is reporting several accounts on my credit files and has not validated any of the debts. XXXX XXXX XXXX began reporting XX/XX/XXXX. After I learned of this I contacted Midland several times XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. Each time I asked for validation of the alleged debt. Midland responded that they were uncertain of what I am specifically disputing.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Store credit 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. (OK)

I received a paper statement which showed a transaction charge of {$190.00} for " BESTBUY XXXX XXXX. I did not authorize this purchase or renewal, nor did I receive any documentation in the mail about any renewal. There is nowhere on my BestBuy account webpage where I can find an option to cancel any automatic renewals or cancel renewals such as this. This is extremely misleading and frustrating. Especially since I literally just completed paying off this card. I reported this to BestBuy and tried to use their chat feature online to no avail.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (MI)

I have spoke to Synchrony Bank about our financial hardship with COVID-19, The State Of Michigan Shut down for 6 months. I had subscribed to the promotional offer of six months on my purchase however, the PANDEMIC has caused a financial hardship and our inability to earn income on a weekly basis put us behind. This corporation and the Supervisor XXXX at ext XXXX would not assist us on my request for further assistance. I want to ensure to pay as we move forward however, for them to tell me they will debit my bank account free will is MOBSTER and I as an AMERICAN will stop at nothing against XXXX XXXX financial institutions as well as Michigan State Attorneys office regarding their practices during a WORLDWIDE PANDEMIC. Second to this, I want to know if SYNCHRONY BANK received any part of the CARES ACT MONEY to help them stave of losses in XXXX. 

THIS IS NOT BUSINESS AS USUAL ANYONE WHO TELLS YOU THAT ITS IS, IS LYING.
Consumer complaint received 2020-07-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX/XXXX  Company Inquiries : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-07-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX  Company Inquiries : 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 2018-09-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC (TX)

I called XXXX XXXX XXXX ( ERC ) because they were on my credit report and I wanted to find out why. I spoke with a very nice collector by the name of XXXX. She explained that I had a debt from XXXX XXXX XXXX in the amount of {$410.00} that was owed from 2009. XXXX explained everything to me in a respectful manner. I asked her if there was a way to get this debt deleted from my credit report. I also asked about a settlement on the debt. XXXX placed me on hold and came back to the phone and said they could settle the account for {$110.00}. I asked about the credit reporting and if this debt could be deleted once the settlement amount of {$110.00} was paid. I explained that I wasn't sure how I owed XXXX XXXX XXXX if I was still a current customer with XXXX XXXX XXXX. XXXX put me on hold again and a guy came, XXXX XXXX, came back to the phone saying he was the supervisor. His tone was extremely aggressive and threatening. He made rude comments like, " We've been on the phone for 20 minutes already, are you going to do anything, because we're wasting time here '' He was very condescending as well. I asked for the address and it seem to bother Mr. XXXX. He said it very fast and when I asked him to repeat it, he said, " Let me say it very slow and spell it for you since you have issues. '' This was extremely insulting and I was deeply offended.
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Jon Barry and Associates, Inc. (AL)

Paragon revenue group repeatedly contacts me before XXXX XXXX and I asked them to stop contacting me as I do not owe them anything. They contacted me most recently XX/XX/2023 at XXXX XXXX and when I called back to request they stop calling me because they were not allowed the lady told me yes we absolutely can call you before XXXX. I told her you are now allowed by law to contact anyone before XXXX and she got rude with me, laughed at me, and hung up after I told her to stop calling me and to mail any information that needed to be communicated. They also called me XX/XX/2023 at XXXXXXXX XXXX.
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (FL)

Recently received a COLLECTION notice from this company, using a intimidation by placing a negative remark on my credit reports to force me to pay a debt that I never signed for, with their company OR their client. I have already made a complaint to the Pennsylvania Attorney General and contacted my attorney under the Fair Debt Collections Practices Act And The Fair Credit Reporting Act!
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (TN)

I have reached out to this company several times via mail about VALIDATING this alleged account they claim belongs to me. I have received no response. I also called and they want me to give them my personal information just to inquire about an account they have listed on my credit report. I would like this account removed ASAP. I am needing to purchase a home for my children and myself and this account is holding me back. According to the law anything that is reported must be 100 % accurate and I have yet to receive anything bearing my signature in agreeance with this alleged account.