davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

At the end XXXX of XXXX, I transferred my cellphone service away from XXXX XXXX to a different carrier. I paid my current XXXX bill at that time and stopped service with them. In XXXX I received a bill for services for the month of XXXX, during which time I no longer had XXXX as a carrier. I disputed this with them at the time. They ignored my dispute ( even though the original bill showed NO wireless minutes, NO data minutes, and no other services provided of any kind ) and sent this to collections. 

I have repeatedly fought with a string of collection agencies over this fraudulently originated alleged debt and have had to periodically write letters to them to have them remove this from my credit report. They have all responded by removing the collection from my report and ceasing actions against me. But not Jefferson Capital Systems , LLC of XXXX XXXX XXXX XXXX, XXXX MN XXXX. 

Jefferson Capital used the illegal practice of re-ageing this collection ( which XXXX originated in XXXX ). They represented it to the credit reporting agencies as a new collection in XXXX of XXXX. I sent them a letter in XXXX of XXXX requesting they rectify this. They sent me a letter claiming that even though the statue of limitations was up, they still had a right to report it to the credit reporting agencies, and ignored the fact that a ) the initial charge was fraudulent and b ) it originated in XXXX of XXXX and not in XX/XX/XXXX as they reported to the credit reporting agencies.
Consumer complaint received 2020-10-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : DEPT OF ED/XXXX   XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (DC)

Chase Visa failed to investigate many identified as unauthorized charges. As they failed to do so once reported they miss the timeline to be eligible to file a chargeback with Visa. Strangely they credit some while putting others ( even from the same vendor ) as valid as the merchant was under obligation to provide any documentation to support the charges ( this is patenly false ; they were notified ). I never requested a sales draft. I notified them of unauthorized activity
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (ME)

I have disputed this account many times with no results, upon " verifying or validating '' i received a bill which does not meet FCRA requirements, i have emailed, faxed and certfiied mailed a copy of my identity theft report with no response. I am attaching that information as follows also.
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (TN)

i constantly asked diversified consultants to stop the reporting of the inaccurate information stating that i owe a balance, I am a victim of identity theft and they seem to not taking the proper procedures, but still reporting negative to all XXXX credit bureaus, i asked them in a certified letter for validation of the debt, but they continue to still is engaging in deceptive acts.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (FL)

Balance displayed on all 3 Credit Bureaus of {$4100.00} for Mercedes Benz Financial Account # XXXX is incorrect, balance is {$0.00}. 

In fact, I prevailed in a Civil Action both personally and for my corporation in XXXX XXXX FL XXXX XXXX Circuit Court, XXXX  XXXX, Case # XXXX disputing their disingenuous claim of {$4100.00} and was granted a DISMISSAL WITH PREJUDICE in my favor. 

No balance is owed, {$0.00}.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done any business with XXXX, never signed a contract, nor do I owe them any money.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

un-authorized 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

This is regarding collection from XXXX thru Resurgent Capital Services. 
My first response to correspondence was in XX/XX/XXXX. I have communicated with many different servicing agents regarding these accounts since. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All of these companies state that XXXX owns these alleged 4 debts and I have asked for verification from all of them, again dating back to as early XX/XX/XXXX. 
These debts are listed as follows. 
XXXX XXXX {$3000.00} XXXX  XXXX {$2700.00} XXXX XXXX   {$590.00} XXXX XXXX {$1600.00} ( no response from Resurgent yet for XX/XX/XXXX inquiry so far ). 
I have asked for proof of the debt and original documentation with every request. I explained to them that they must have been " sold '' this debt and not have the paperwork due to the fact that I sent fraud claims to both XXXX  XXXX and XXXX XXXX   on both accounts. Instead of helping me with the issue, XXXX   XXXX and XXXX XXXX removed the entire accounts from my credit report AFTER the sent these debts to XXXX. XXXX can see my credit report and validate this. 
Now I have asked, written letters and repeatedly asked for validation with XXXX. The letter I attached to them dated XX/XX/2018, I told them that these 4 account were fraud and they ignored my requested and mailed back a " internal prepared '' statement by the servicer ( Resurgent Capital ). I have more documents than you care to read but have attached all supporting documents- except on the XXXX XXXX {$1600.00}, they have not responded to my XX/XX/XXXX inquiry for that debt.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

I opened an account with Citibank. The terms of the promotion were Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds  into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. I opened the account end of XX/XX/XXXXand deposited the funds on XX/XX/XXXX. I met the requirements by XX/XX/XXXX. The 90 day requirement finshed on XX/XX/XXXX. I contacted the bank and they opened a case. But not update afterwards.
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

I CONTACTED THE COMPANY VIA MESSAGE SYSTEM ONLINE, AS I DO NOT FEEL LIKE BEING HARASSED VIA PHONE OR BEING ON THE PHONE FOR EXCESSIVE TIME HAVING SOMEONE TEL ME SOMETHING THEY COULD HAVE SENT VIA EMAIL THEY COULD HAVE ANSWERED ME VIA EMAIL OR MESSAGE SYSTEM ON THE SITE THEY CHOOSE NOT TO AND NOW THE ROBOCALLS ARE INSANE AND THE CONSTANT MESSAGES ARE RIDICULOUS I HAVE A XXXX FATHER WHO HAS XXXX XXXX IN XXXX FOR WORK THEY NEED TO GET A GRIP YOU BLOCK ONE CALL YOU GET ANOTHER FROM MULTIPLE NUMBERS
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

I submitted my picture ID ( Driv Lic ) on XX/XX/year> via upload. I confirmed with a customer service rep on XX/XX/year> that my document had been received. I received an email from Venmo stating that my account had been frozen and to activate my account I would need to upload my picture ID. I have not received an update and it is been XXXX business days as of today. I am growing increasingly concerned and stressed each day. No one from Venmo has contacted me for updates. I am becoming increasingly mentally and physically ill as a result of my money being held without an explanation. I am asking for an explanation why my money is being held against my will. I am asking for my account to be unfrozen and active as of XX/XX/year>.
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (AL)

I transferred funds from my business Venmo account to my personal Venmo account which is connected. I transferred funds to make a payment on my power bill as XXXX  XXXX states it accepts Venmo. I had funds on my account from services that I provided and the funds had been sitting for a week before the attempt to use them. I have had the Venmo account for years and have never had an issue with this company or any of my transactions. I received an email to send in my ID because the account had been suspended as it had violated the policy. I asked which violation had occurred I was not told. I was advised that it was an automatic system suspension and no additional Info could be provided. The email I received stated that it would be up to 7 business days for the back office to review my Id and reinstate my account where I can regain access to my money. When I called the representatives all gave me total different information stated 10-15 business days. I asked where could I locate that info as per the email I received stated a total different timeframe. Company was very unhelpful and still have my money on hold and I dont no why or whats going on.
Consumer complaint received 2018-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (ME)

I have disputed this collection account as identity theft, i did not open the account or have knowledge of any services done. I have faxed, called, emailed the ceo, and certified mailed copies of my identity theft report with no response.
Consumer complaint received 2016-10-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services (MD)

My husband and I were approved for a car loan from Lendmark Financial. We signed the loan documents and did what we were instructed to do, but the title was misplaced and we had to get another copy from the dealer. The dealer contacted the previous owner and it took the owner some time to give the dealer a copy. Once the dealer received the copy we processed the title immediately, but Lendmark Financial had to update their information with the Virginia DMV in order to get the title. Lendmark claimed they could n't get in touch with the DMV and did not know what to do. I got in touch with the DMV and found out what to do, sent the form to Lendmark and processed a title copy for the third time. I did not miss a payment and I kept open communication through out the entire process. Lendmark Financial placed a judgment on my husband 's and my credit report. When I called to see if the title was received they confirmed that they had it. I then asked if the judgment could be removed since we made sure the company received the title. The branch manager ( XXXX ) was very rude and stated that the judgment would not be removed until the loan was paid in full. I replied that there were no payments missed and reminded her that I made sure they received the title. I also told her that I was not going to pay until they removed the judgment. However, I am still current on the payments and she filed a motion to garnish our wages, even though we have not missed a payment. I have proof from my checking account and my credit report shows on time payments as well.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (AR)

I still can't get support from Synchrony. Synchrony doesn't offer to reply to my complaint. I have emailed them numerous times, they refuse to reply. They are not replying to CFPB either.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX  XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (NV)

During lulls in work with my employer during the summer and fall of 2016, I sought help to keep other bills current by taking out loans against my vehicle and a personal loan backed by the vehicle. As things worsened I was unable to make the high-interest payments on the regular basis they wanted and sought some relief from the loan company. They gave a little relief on some of it, but a short time later XXXX XXXX repossessed my vehicle, selling it to settle my debts, but providing no documentation regarding the proceeds of the sale. They didn't provide any further details or overages, but then started collection action on the remaining loan. 


They later submitted the alleged balance to collection agencies, where it currently resides with AD Astra Recovery Services, which is currently reporting false or incomplete information, that doesn't show the original amount, doesn't show the payments I made, doesn't show that they may have been charging more than 200 % interest, nor that the loan should possibly have been paid off from proceeds from the sale of the vehicle.

I believe that AD Astra 's reporting of this is in violation of my rights, since even if the alleged amount is correct, it is incomplete and misleading since I had made consistent payments to them, and is very negatively affecting my credit.
Consumer complaint received 2020-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

Received a credit monitoring alert indicating on my XXXX credit report that a collection item from CONVERGENT OUTSOURCING was placed in my credit report. I do not have any record of doing business with CONVERGENT OUTSOURCING, I dispute the validity of the debt which does not have an account number, original creditor or any verifiable account information. This unverifiable collection item needs to be immediately removed from my XXXX credit report.
Consumer complaint received 2019-05-13
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)

I have been a victim of Identity Theft due to a data breach. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several fraudulent accounts all of which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I have place my dispute in with all the consumer reporting agencies via mail, yet to no avail.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (CO)

I was never contacted by Diversified Consultants ( DCI ) about a debt. The debt is not mine ; it belongs to my ex-wife. We used to share a comcast account that she improperly closed. DCI never contacted her or me about the debt ( {$63.00} ). The first I learned of the debt was when I noticed a collection on my credit report. 

I immediately contacted DCI, explained the situation, and was told it would be removed from my report. They never removed it. 

I disputed the collection with all XXXX bureaus. XXXX removed it immediately, XXXX is still pending, and XXXX contacted DCI, who instructed not to remove it. 

I contacted DCI again and spoke to a supervisor. He refused to tell me when and how they tried to contact me. He also refused to remove the collection from my credit report. When I asked to speak to the legal department, he said to hold but then hung up on me. 

I immediately called back and asked to speak to a supervisor again. I was then told that DCI has no legal department but they have a compliance department. He said he would transfer me to compliance bu then hung up on me. 

So here ' my complaint : DCI never contacted me about a debt, the debt is not mine, DCI filed collections with all three credit bureaus, I immediately paid the debt in good faith upon learning of the collection reports, DCI said they would delete the collections reports but never has and now refuses, DCI will not tell me when they tried to contact me, my ex-wife states that they never contacted her, DCI has hung up on me twice. DCI 's actions have dropped my credit score approximately XXXX points, and they refuse to rectify the situation, or even talk to me. THey will not remove the collection from my credit and will not provide me any documentation regarding the debt.
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capstone Credit & Collection, LLC. (FL)

I lived in a Apt Complex - ( XXXX XXXX XXXX ). Stove caught on Fire. It burned part a cabinet and smoke all over the kitchen and living room. I have Fire Dept report it was n't a grease fire. It was undetermined. I always paid on time. never broke my lease, Send certifies letters to find out why they continue to report to my credit as collection when I am not responsible. No one can answer but send me copy of invoice that was sent to them from Apt complex.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit report thru XXXX XXXX was XXXX last week, now it is XXXX. I don't understand how this happened. I have not changed anything and all my payments are on time. I only have one opened credit card.
Consumer complaint received 2016-11-01
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Santander Consumer USA Holdings Inc. (MD)

Unauthorized prescreening. I never applied for any credit nor have I ever tried to open an account with Santander Consumer USA XXXX date XXXX/XXXX/15. Who is this company? Why are they running my credit for anything. I did not apply for any card or account.