davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (GA)

Online Collections has entered into collections activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who Online Collections is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Online Collections is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have attempted to contact Online Collections via certified mail RR # XXXX XXXX XXXX XXXX XXXX and they have chosen not to provide the information requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Online Collections as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Online Collections } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Online Collections, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative  information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (KY)

On XX/XX/2022 I received a notice as part of my billing statement on my Macys Department Store credit card. The notice indicated that the issuer identified on the card had merged into Citibank NA. The notice also stated that the annual percentage rate for purchases made after XX/XX/2022 would be 29.74 %. 

Such an interest rate is usury. 

I can not imagine any circumstances in which it should be legal for a bank to charge such a rate.
Consumer complaint received 2020-10-12
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. (CA)

XXXX repeatedly debited the wrong bank account even after I updated my account with a new bank account, and despite my autopay, they never informed mevia email or writingthat the payment was not going through. They reported my account as " delinquent '' without informing me of the problem and refused to update my credit report.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX repeatedly debited the wrong bank account even after I updated my account with a new bank account, and despite my autopay, they never informed mevia email or writingthat the payment was not going through. They reported my account as " delinquent '' without informing me of the problem and refused to update my credit report.
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (KY)

I keep getting calls all the time about debt collection. This has been going on for many years but I have just ignored the calls in the past. I have checked my credit report thoroughly and I don't have any past due debts. 

The person on the phone said the company was Financial Asset Management Systems Incorporated and that his name was XXXX XXXX. The phone number was XXXX.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against XXXX  XXXX XXXX for the unauthorized and fraudulent dissemination of my personal information to third-party debt collectors, in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692, and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1602.. Without my confirmation or acknowledgment, sensitive personal details were exposed, leading to significant distress and a breach of privacy. 

Violation listed below : Fair Debt Collection Practices Act ( FDCPA ) Violations : Unauthorized Disclosure : XXXX  XXXX XXXX disclosed my personal information to third-party debt collectors without my permission. This unauthorized dissemination violates 15 U.S.C. 1692c ( b ), which restricts communication of a consumer 's personal information to third parties without consent. 
Harassment and Abuse : During my attempts to address these concerns with XXXX  XXXX XXXX, their representatives responded with laughter and dismissiveness. This behavior constitutes harassment and abuse, violating 15 U.S.C. 1692d, which prohibits conduct that is meant to harass, oppress, or abuse any person. 
False Representation : By sharing my information without authorization, XXXX  XXXX XXXX misrepresented the legal status of my debts and the nature of their business conduct, violating 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Truth in Lending Act ( TILA ) Violations : Failure to Disclose Terms Accurately : XXXX  XXXX XXXX failed to provide clear and accurate disclosures regarding the terms of my credit, violating 15 U.S.C. 1602. This failure to disclose information accurately has significantly impacted my understanding and management of my debt obligations. 
Unauthorized Transactions : The dissemination of my personal information to third-party debt collectors constitutes unauthorized transactions and a breach of trust, further violating provisions under TILA that protect consumers from unauthorized use of their credit information. 

When I contacted XXXX  XXXX XXXX to express my concerns about these unauthorized actions and their detrimental impact on my credit report, I was met with dismissive and derisive responses from their representatives. Their unprofessional and callous behavior exacerbated my mental health issues, including XXXX and stress, which stemmed from this violation. The damage to my credit report has also caused considerable financial hardship, affecting my cost of living and ability to secure necessary credit. 

I urge the CFPB to investigate this matter thoroughly and hold XXXX  XXXX XXXX accountable for their actions, ensuring that such breaches of consumer rights and privacy are prevented in the future. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (MS)

I have tried in the past with Experion and I see that it has XXXX came back up recently multiple people are using my identity for different reasons I dont know what else to do I will place it in some type of mental game called a XXXX XXXX. This performed by XXXX XXXX XXXX star sororities and fraternities and other organizations to be scared into letting other people use me and my identity I dont know what else to do really I need somebody to help me. I have lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the past two years and I also have a pass police report of me filing charges on my oldest sister for identity false pretense but they did not gone proceed with the charges I did not get any answers or anything they are within the same organization and they turned on me. I will contact the local authorities again and the FBI this time doing a fingerprint identity analysis I have never worked at XXXX I think somebody had put my name on some type of pay out a cashiers check or something or insurance fraud a long time ago and they are drawing this money. I have my membership ID number from Experion I also I just booted the address is in the false names that was given I am not XXXX I do not know any other addresses except for three of them and the rest of them are fraudulent and I do want to pursue with the charges on every last one.
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: Experian Information Solutions Inc. (MN)

This installment loan is appearing on all three of my credit bureau reports as a charged off, negative account. It shows that the account was opened on or around XX/XX/2018. 

This account belongs to my ex-spouse, whose name is also XXXX XXXX. I have disputed this item through the credit bureaus ; however, XXXX continues to falsely verify that this account belongs to me and refuses to remove it from my credit report. 

Moreover, this is a predatory lending institution that charges astronomical interest charges that accrue daily, and after looking at their terms and conditions, they have grossly misrepresented their product and are preying on unsuspecting victims with their hidden fees and deceptive advertising practices. 

I also continue to receive daily collection calls from XXXX, despite the fact that I have revoked my express consent to receive any communication from this organization. I have countless voicemails and receive up to 10 collection calls per day from XXXXs, despite me telling them I want my number removed and that I revoke my express consent and that this account does not belong to me.
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 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, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEFENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

In XX/XX/2020, after completing my annual re-certification for my income-driven re-payment plan, I received notice my payment amount was increasing by over {$200.00} to {$540.00}, despite a minimal-moderate increase in annual income. I called Fed Loan Servicing ( XXXX. XXXX XXXX XXXX, PA XXXX ) and spoke with a female employee who informed me that if I re-applied for a different income-driven plan, the ICR, my payment amount would only increase by approximately {$100.00}. So I did this. Today I received notification that on the ICR repayment plan my monthly payment is {$870.00} instead of the previously quoted {$440.00}. 

I called Fed Loan Servicing and spoke with a male employee who researched the huge discrepancy for me. He was able to determine that the employee in XXXX miscalculated the payment amounts and that in order to have a lower payment amount, I would have to re-apply AGAIN for a different repayment plan. They were unable to provide further assistance or make this change themselves, even though it was their error. 

I have submitted a new application and will also be researching private loan options. My issue with Fed Loan Servicing is that EVERY year I have to call them due to their errors. They give me mis-information often and no employee is consistent in providing assistance. I have experienced paperwork and calculation errors with them since the inception of my loan.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have complained twice with no relief. The last time, I didn't hear for more than a month, which I thought was the maximum before they had to correct their entry. 

Ther is a bankruptcy reported on my credit reports which are NOT me. I don't know who or how, but it must be removed.
Consumer complaint received 2018-09-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (OH)

DISCOVER PRIVATE STUDENT LOANS -I TRIED SETTING UP A PAYMENT PLAN AFTER BEING DENIED A FOREBEARANCE. I INFORMED THEM I WAS HAVING A COMPLICATED XXXX. PHONE CALLS WERE MADE THREATENING MY CO XXXX AND JUST RECENTLY EMAILS WERE SENT TO A FAMILY MEMBER THAT HAD NO KNOWLEDGE OF THE LOAN. HOW HER INFORMATION WAS OBTAINED IS A MYSTERY. SHES IN THE FAMILY BY MARRIAGE NOT AN ACTUAL FAMILY MEMBER, SHE SHOULDNT KNOW MY PERSONAL BUSINESS.
Consumer complaint received 2023-01-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Capio Partners, LLC (LA)

1. They have called me 3 times per day for the past week, starting on XX/XX/2023. They are claiming I owe more than I actually do- I owe {$300.00}, they are asking for {$900.00}. They will not tell me who the debt is owed to. 
2. Today ( XX/XX/2023 ), they called my job and asked for my full name, social, and address. When they refused, the operator was rude and argumentative.
Consumer complaint received 2023-01-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TN)

Jefferson Capital Systems is reporting to the credit bureaus inaccurate information from a debt they purchased from my original creditor. They are showing XXXX different amounts on my credit, XXXX for XXXX and the other for XXXX. I have reached out via mail requesting proof of debt owed without a response in return. They also have an address on file where I never lived in the state of Georgia. They have illegally reaged the debt stating that it was opened in XX/XX/XXXX when the account went into collections in summer of XXXX with the original creditor. They also have my loan term reported as 1 month which is incorrect and are reporting late payments to my credit as if the account is open and even that isnt consistent. They skip over a few months instead of consistently reporting, and they shouldnt be reporting a closed account as open. I have disputed many times with XXXX and have been unsuccessful with no valid proof of the debt owed obtained from this debt buyer that can even legally collect on my debt. Also this debt is from the state of TX and according to TX law statue of limitations on a debt is 4 years in TX. This debt has reached its limitation per where it originated.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

On or around XX/XX/XXXX, I carefully reviewed my ChexSystems Report and disputed inaccurate information, specifically regarding a XXXX XXXX XXXX  account that was closed on XX/XX/XXXX, and charged off for {$210.00}. 

On XX/XX/XXXX, ChexSystems sent me the results of their " reinvestigation. '' Upon reviewing these results, it is evident that a proper reinvestigation was not conducted in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Additionally, ChexSystems did not provide the documents I requested. Instead, they verified the information as accurate by sending me a driver 's license and what appears to be an outdated application from XXXX XXXX XXXX  dated XX/XX/XXXX, which I have no knowledge of, accompanied by an expired driver 's license. 

As a result of this ongoing issue, I was informed by a XXXX XXXX representative that my application to open a brokerage/checking account with XXXX XXXX was denied due to the negative information being reported on my ChexSystems report XXXX
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc. (OH)

On XX/XX/year> I called to have a payment canceled that was scheduled for XX/XX/XXXX. I got transferred to a voicemail which I thought was unacceptable since didn't cancel my payment as is my right under XXXX. I called back and asked to speak to a XXXX I got transferred to XXXX XXXX XXXX XXXX  ) and explained my issue. He proceeded to transfer me right back to the voicemail without even allowing me to respond to him before transferring. I tried to call back and ask to speak to a manager and was just sent to his voicemail. Its ridiculous that I have to jump through so many hoops to cancel a payment. I am on the phone. It is my right to cancel the payment, and they wouldn't cancel the payment. Beware of the unethical and illegal tactics used by Central Portfolio Control.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS COLLECTIONS AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS ACCOUNT ETC AND INSTEAD OF BLOCKING IN THE 4 DAYS I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NY)

In XX/XX/XXXX I placed a credit freeze with Experian. In XX/XX/XXXX I tried to remove this freeze and I had a problem. I was told that Icould mail my passport, social security card andbank stayement copies to a TX XXXX  XXXX or upload them to the internet. I thought maybe I forgot my PIN number. I was not comfortable with those options so I ttied calling.They were not helpful at all. 
Later I found the email with my PIN number and realized it was correct and attempted to contact them again. They are very evasve and rude. 
Now yhe only option is to mail sensitive information to a XXXX XXXX XXXX in TX with no tracking This is unacceptable i have tried again to contact even on social media but to no avail. 
I have a serious medical issue and need to unfreeze my credit and I am being held hostage by Experian Please help me. 
XXXX XXXX
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I have been trying to close my mother 's account with Bank of America since she died in XXXX  of last year.I have been given several lies and the run around since then.I was told a month and a half ago that they would send the money and they had everything they needed.After I did not hear from the I called and waited on hold the usual 1 and a half hours.They said they couldn't see the date on my brother 's death certificate who also was a beneficiary.Then after she looked she said oh here it is.They could have called, texted, emailed me for the info.They did nothing and waited for me to call.Then they said someone would call me in 2 days or less.That did not happen.They have no intention of refunding the money and look for one excuse after another not to release it.
Consumer complaint received 2020-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.