davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Hello CFPB and thank you for the assistance. Randolph Brooks Federal Credit Union or RBFCU has done a poor job managing my card, and an even poorer job responding to my requests for help. I had XXXX credit card with RBFCU, and because I didnt use it at XXXX point for quite some time, they understandably closed it. I had no problem with this, and when my card was used again, they reopened the account which was fine too. What my issue is, is that this happened about XXXX more times ( and deactivation occurring XXXX times as quickly as any other account Ive ever had, for no usage ). Each time, they reported this closure as a new account closure to the credit bureaus. It now appears that I have XXXX closed accounts, which I believe is adversely affecting my credit score. I asked for help and they told me to contact the credit bureaus, and the credit bureaus told me to contact RBFCU.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

A collection item showed up on my Experian and XXXX credit reports. I already filed a complaint with regards to the XXXX report. CFPB people asked me to file another complaint regarding the Experian report. The item on the credit report is called " XXXX XXXX XXXX '' I have never done business with this organization and I am not aware of any debt to them, or to any past-due debt at all on my credit report.
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

This has to do with XXXX collection agencies. XXXX, Convergent, and XXXX. They are all telling me that I have not paid debt in full. I do have Bank proof that I have made all of my payments. On XXXX I called XXXX several times to resolve this issue, and all they could do is threaten me with my Credit Report. Every time I tried to explain they again threaten me with Credit Report. I asked for XXXX 's phone number so I could talk with them and they refused to give the number. Told me to XXXX it. I have called XXXX and continualy and they tell me that it has been turned into collections and I have to deal with collection agency. One other thing I was told, was NOT to keep calling them. So I told them the same thing stop calling me all the time. I also asked to speak with a supervisor and was also refused this opportunity to speak with someone in charge.
Consumer complaint received 2015-08-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALCHRO INC. (FL)

In XXXX, 2015 I entered a written dispute with FIRST FEDERAL CREDIT & COLLECTION reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, FIRST FEDERAL CREDIT & COLLECTION was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

FIRST FEDERAL CREDIT & COLLECTION failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with FIRST FEDERAL CREDIT & COLLECTION an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. FIRST FEDERAL CREDIT & COLLECTION failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that FIRST FEDERAL CREDIT & COLLECTION is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to FIRST FEDERAL CREDIT & COLLECTION have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
Consumer complaint received 2016-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NC)

Receiving a letter stating I owe a payment for an accident in a truck I did not own and an accident I was not in to the insurance company XXXX. Stating they will submit to DMV and take my license.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (TN)

I received a letter from   XXXX   XXXX  ,  XXXX  dated   XXXX   XXXX   , 2017    stating they represent a  EOS USA  and that I owe their client {$45.00} on a very old  XXXX  former  XXXX  account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

This complaint involves   XXXX   XXXX   XXXX   on  XXXX , Partial account number   XXXX   Date opened :  XX/XX/XXXX Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter  XXXX  Account history Debt included in Chapter  XXXX  Bankruptcy on  XX/XX/XXXX 
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone number  XXXX  partial account number ;  XXXX , date opened XX/XX/XXXX . I just recently traded in the vehicle in  XXXX
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it concerns, This is my 3rd round sending in dispute letters to Transunion to verify the accounts included in my XXXX letter. I am a victim of an identity theft and need these accounts removed immediately.
Consumer complaint received 2016-09-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Risecredit, LLC (TX)

I pulled my credit from XXXX and noticed they were on my credit report. I have never done business with this company and they never sent a right to dispute. I sent them a certified l letter and and and they never responded. 

Please see the attached documents Thank you, XXXX XXXX
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2017, I went to Ashley Furniture in need of a new sofa. I was interested in purchasing the sofa using the 18 month same as cash line of credit that Ashley furniture offered through Synchrony bank. I applied for credit in the store via the credit application kiosk and was instantly approved for {$2500.00} line of credit. My sales representative XXXX let me know that in addition to whatever I was approved Ashley would authorize a 10 % increase which was {$250.00}. I purchased the furniture, arranged for delivery and enjoying the new sofa currently. 
On today XX/XX/2017, I registered my Ashley Furniture card that I received in the mail and did a check on my account details online. I noticed that my balance was {$2700.00} which was expected. It also showed that my credit limit was {$2500.00} and {$250.00} over the limit. I am absolutely disturbed seeing this. Going over the credit limit on a credit card is detrimental to the credit score and history. I immediately called Synchrony and they stated that I am over the limit by {$250.00}. There is nothing that they can do except request an increase for {$250.00} or me pay the {$250.00} to reduce the balance. I called Ashley Furniture and they said there was nothing that they can do as I have received my furniture. My credit report and score means my lively hood. I make sure that I make payments on time and cause nothing to negatively affect my credit. I agreed to the sale however, I did not give any authorization for the store to charge my line of credit over the limit. I signed for the total sale amount. They used this as a predatory sales tactic to get consumers to buy. I was told that they would increase my credit limit by 10 % as almost like in-house financing. I was not told that it would be reported as over the limit to the credit bureau. 
This is predatory lending to get sales and I would have never authorized someone to charge more than what my limit allowed. Please Help!
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (MA)

Equifax has billed me for a year subscription at {$170.00} per year. I called on XX/XX/XXXX to tell them I only wanted this last month. I just checked my billing and the charge was still on there. They were suppose to refund me {$160.00} I spoke with them on XX/XX/2017
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was alerted on XX/XX/2022 that I had an inquiry from TransUnion that XXXX XXXXXXXX XXXX pulled my credit. And on XX/XX/2022 I was alerted that TransUnion was pulled a second time for an inquiry for XXXX XXXX XXXX which is also not mine. And XXXX was also alerted on XX/XX/2022 with an inquiry from a company with the initials of XXXX. And not to mention on XXXX I was alerted with an increase from XXXXXXXX XXXX I have no idea where these inquiries come from and I would like them removed please as soon as possible
Consumer complaint received 2015-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US) (IA)

I have also filed a complaint with the XXXX Attorney Generals Office about this collection account. On XXXX/XXXX/2015 I received a collection notice from Allied International Collection Corp which cited XXXX as the original creditor claiming that I owed {$410.00}. I have never had an account with XXXX which is why I know the account is not mine. 
The debt collection agency provided no supporting documentation, no explanation of why they believe the account is mine, no explanation as to what the balance their claiming was for or how it was derived, plus I fail to understand how anyone could possibly owed {$410.00} to XXXX given a XXXX search said they were an online auction company, so I would assume if you ever did purchase anything at an auction payment would be due at the time of sale. 
This is either mistaken identity, fraud or illegal collection activities, but I know for certain that I do n't owed {$410.00} to XXXX, it 's just not possible.
Consumer complaint received 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (PA)

This was a third party pay phone company that billed me through XXXX for collect calls to my answering machine from a pay phone in Arizona. I never answered the phone, or authorized or accepted any of the charges! No one was even home at that time.
Consumer complaint received 2017-07-17
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. (GA)

XXXX   XXXX   has pulled multiple hits on my credit file with wrong social security number submitted to them online.  XXXX  refuses to allow me to dispute the two hard pulls on my account.   XXXX   XXXX   refuses to speak with me regarding this issue and refers me to the credit reporting agencies. Obviously, this is a cycle that is never-ending, and I as a consumer have the right to dispute hard inquiries on my credit report.
Please help remove these inquiries.
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (FL)

I have a credit card that I use to collect reward points to put toward cruises. In XX/XX/2016 I cashed in XXXX points toward my prepaid gratuities on an upcoming cruise. The cruise line never received the funds for the gratuities. I have been trying to get this fixed since last XXXX. I have been told something different by every person I have spoken to. Twice I have been " escalated '' to management but no one from management will speak to me. Today I got an email from my cruise line that there was {$140.00} extra to pay on my cruise. When I questioned why I was told it was because this same credit card company has denied the points I have previously cashed in and demanded a refund from the cruise line. I received no communication from the credit card company about this. When I called my credit card company again I was escalated to management but have received no return call. I am now going to have to pay {$190.00} for gratuities that I should not have to plus another {$140.00} that I have already paid because of the credit card company. I have a case number of XXXX for my requests for the points to be returned.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

1 : Southwest Credit Systems XXXX, has today sent me a collection notice and claims that I owe {$130.00} to XXXX XXXX. 

2 : They have referenced an account number of XXXX. I have never had this account with XXXX XXXX. Though i was a customer of XXXX XXXX XXXX in the past. 

3 : They have addressed this notice to my name but the city ( XXXX ) is incorrect. I live in XXXX. 

4 : I have no outstanding debt with XXXX XXXX and since XX/XX/2020 I have had no account with XXXX XXXX. 

5 : Their collection has impacted my credit rating severely
Consumer complaint received 2019-10-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2016-04-29
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: DRS Financial LLC (NJ)

i have been getting calls from CAPITAL COLLECTION SERVICE 3x a day one time i answered my cellphone while at work which we cant use during working hours so I was telling to one of representative i will try to make a payment. Today XXXX XXXX, 2016 they call at my cell phone and call at my work her name was XXXX phone XXXX my supervisor answered the call and now my supervisor told me and says I can not get personal or business call unless if emergency. This is harassment and bullying from CAPITAL COLLECTION SERVICES I could get fired and loss my job so now how I could try to make payment to them if I loss my job..
Consumer complaint received 2022-01-05
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: AMERICAN EXPRESS COMPANY (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX )
Consumer complaint received 2016-09-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Williams & Fudge, Inc (FL)

Williams & Fudge ( Account # XXXX Pin # XXXX / # XXXX XXXX XXXX ) - mailed me a letter trying to collect on a previously disputed very old and unknown fraudulent debt. I mailed them a letter XXXX via certified mail advising that I am a victim of identity theft, the unknown debt they are trying to collect is a time barred debt in which has expired the Florida statue. In addition, I sent them a copy of the police report with a memo telling them to cease contact. Lastly on XXXX a relative called me telling me that this company contacted her very late questioning and not disclosing further information regarding who was calling. I need Williams & Fudge to cease and stop collecting on this fraudulent and unknown debt.
Consumer complaint received 2022-01-05
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX I XXXX XXXX  ( Original Creditor : XXXX BXXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX OF XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-04-21
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (CA)

I called mortgage company in XX/XX/XXXX to ask for Temporary Hardship application due to COVID-19. At the time I was told that mortgage payment for XX/XX/XXXX was already in process, but to put a cancellation on electric payments on payment for the month of XX/XX/XXXX. I was asked to fill out application and that someone was going to give me a call and not to worry because this information wasnt going to be report to my credit. However, until this day I havent receive a call from anyone representing this company. And the company already reported the information to My husbands and my credit report affecting my credit report. When I called today XX/XX/XXXX asking why this was reported? I was told again to wait for someone to call me back.
Consumer complaint received 2017-03-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/XXXX I opened a line of credit for XXXX . This was my money that was transferred from my savings account. It was to be used to raise my credit score. I borrowed & repaid it as Regions requested me to do. It was used until XX/XX/XXXX I went to the bank to have the loan released but I still " owed '' XXXX $ & I was instructed to pay it off & give her 2 days after it was " paid off '' so it would be released with no problems. I went back to the bank after this time had elapsed XXXX had left that branch so I talked to XXXX. He worked on his computer a few minutes & told me you will have your money in ten days! I informed XXXX this was not acceptable as I was told after the 2 days had elapsed my money would be transferred back to my savings account. He told me it would be done the next day & he needed to call someone about it. I told him the next day was ok. I waited 5 days & then I transferred my XXXX $ from that account back into my savings account. Every thing seemed ok. A few days later I received a statement in the mail stating I still owe Regions XXXX . So back to the bank with nothing resolved this is when XXXX becomes involved. The date was XX/XX/XXXX I tried calling again to get this loan released. XXXX told me I needed to repay the XXXX $ so the loan could be released which is what I did the previous month. He asked if I had money in another bank to transfer to complete this loan. I told him no & I asked whats going to happen now that it 's a month later & now a payment is due. I had to make another payment on this nonexistent loan. There was a XXXX $ fee added & on XX/XX/XXXX Regions took funds from my account for another payment of XXXX $ for a loan that should not exist. I was simply trying to raise mt credit score to get a loan for a house. I invested my money over the years in rather unconventional ways that the bank wo n't recognize as legit collateral ( cars, diamonds,XXXX & others ) I knew going into this process that it was a longshot because I never used credit cards I did n't create a mountain of dept if I wanted to purchase something I saved my money. So I had XXXX credit history other than a medical bill that the insurance company will be responsible for. It would seem the banks would be seeking people like me without a mountain of debt & who pays all the bills to lend money to. What I would like to know is why XXXX did not release this loan? I asked XXXX & XXXX & neither could give me an answer. I think XXXX did n't like the response I gave him after he told me that the loan would be released in ten days & I told him I 'm leaving with my money today either all of it in my hand or transferred into my account. He said he could do it with a phone call the next day but he never did. I want the 2 payments ( XXXX $ ) transferred to my account & the XXXX $ fee removed.
Consumer complaint received 2022-01-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. BK OF AMER is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( BK OF AMER XXXX )