davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I have changed the settings in my Best Buy credit card electronic system so that only the minimum payment could be paid from my XXXX XXXX XXXX account, and erased all previous bank accounts so they would n't be charged. In this month, XXXX 2015, Best Buy charged both of my bank accounts, XXXX for {$63.00} and XXXX XXXX XXXX for {$1700.00}. I never authorized Best Buy to take the full balance from my XXXX XXXX XXXX account, since I know I do not have all the funds available. In addition, I had removed my XXXX account from their system, which makes the payment processed on XXXX/XXXX/2015 unauthorized as well. I have both of my accounts negative and no money for the week and bills, due to unauthorized activities from Best Buy. Yet when I contact them, their response is that this is my error and they are not responsible for any of these system errors. Both of Best Buy claims department and costumer service department contradicts each other as when giving me information, and lacks communication. None could help me explain why was I being charged and the mix information given was that I must cancel online, and the other said to cancel the automatic payments over the phone. I have done both but my account was once again charged and overdrawn for {$1700.00}. This whole situation is very stressful and drives me desperate, since I am left with several overdrawn fees, no money in my account for personal use or to pay bills, and several hours of phone conversations to have no solutions. I am tired, stressed and under a whole lot of pressure.
Consumer complaint received 2021-10-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I added my number to the do not call registry months ago. This company, Recovery Portfolio Services, whom claim to be trying to collect a debt by a third party, call my phone every single day, even Saturday and Sunday. I have repeatedly expressed my desire to have my number removed from their call list and to not be harassed. I have tried to block the numbers myself, but they call from a different number every day. This has been going on for several months now. This is causing an undesirable effect on my mental health and I would like it to stop and for this company to be held accountable for this abuse.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to 0. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

Timeline of Events and Agreements In XX/XX/XXXX the car broke down for the 3rd time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

Company is trying to collect a debt that is not mine. Company is showing a debt for a XXXX electric bill from XXXX XXXX. I have not had an account with this company since XXXX XXXX, and account was paid in full. I also have not lived at this address since XXXX XXXX. It was an apartment I was renting.
Consumer complaint received 2021-10-31
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: ENCORE CAPITAL GROUP INC. (TX)

Apparently in 2017 a XXXX XXXX was opened and used under my name this card was never opened by me nor used by me. I'm now in a collection dispute with the attorneys at Midland Credit Management , Inc . 

I have told them this is fraudulent charges to my knowledge.
Consumer complaint received 2015-12-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I was making a transaction on XXXX using my bank of america debit card and the transaction never went through. Moreover, they sent me a text message saying there is an unusual activity and asked me to confirm if it was me making the transaction. I sent a reply back saying yes and also called them and informed the same. Regardless of all this, the next message from them is that the card has been blocked! 
When i called them again, they put me on hold for 33 min searching for questions to ask about authentication. Finally, they dont even ask the questions but simply ask me to walk in to a bank of america center with my ID proofs. I live in XXXX in Minnesota and there is no bank of america in a XXXX mile radius! I tried talking to the supervisor but she has been arrogant enough to even accept that there has been so much trouble caused and in return was rude enough to say thats how the organization works!! 
Now i just need to travel a XXXX miles for just trying to purchase something online.!!
Consumer complaint received 2021-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (HI)

Periodic, {$5000.00} 2017 Unsure of loss as my business, finance, good faith, & credit was attacked financially by a felon named XXXX XXXX XXXX. 

American Express request to provide account records for forensic analysis referred to arsiwebpay.com & a phone number as follows XXXX by virtual voice which is suspicious. 

Account names XXXX XXXX XXXX Cell Phone Repair Requested complete record information
Consumer complaint received 2021-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

PORTFOLIO RECOV ASSOC has recently added a collection debt to all 3 of my credit reports which are XXXX, XXXX and XXXX that do not belong to me with a past due balance of {$580.00}. i have never done business with PORTFOLIO RECOV ASSOC or any one they are collecting for, i have never signed documents, contracts or any agreements with PORTFOLIO RECOV ASSOC, i have never provided this company with my social security number, private address or any personal information.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CO)

I have received frequent calls from this company threatening to " serve me '' with documents for a debt they have not validated. They are violating FDCPA and FCRA with the threating phone calls. The company also does not identify themselves in the voicemails.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX. XXXX, XXXX amount XXXX unauthorized auto loan open in my name XXXX XXXX XXXX. XXXX, XXXX amount XXXX unauthorized credit card I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided.
Consumer complaint received 2024-02-14
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (IL)

I received a bill from Ashley furniture. The information is incorrect. I called the # and told the rep what was going on and that the info was incorrect. They hung up on me. This account is linked to my valid synchrony account but the personal info is not mine. The name is even spelled wrong. Account needs to be removed from my credit.
Consumer complaint received 2024-02-15
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)

In accordance with the Fair Credit Reporter Act XXXX " Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  and Account XXXX XXXX XXXX XXXXXXXX '' has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A. section 2. i also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2021-10-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (VA)

Netspend by XXXX is sending messages and cards to consumers stating that they chose to open an account with them when in fact it is promotional and from a mailing list. It is deceptive and intentionally so. When I called to inquire about the email sent to me about my new account and debit card that I requested, I was told to just contact my email provider and that the customer service agent could not validate whether I was or was not a customer.
Consumer complaint received 2024-01-12
Product: Credit reporting 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 just looked at a copy of my credit report. It stated that the credit inquiry mentioned below was the source of the credit request. On the other hand, I did not authorize this inquiry. I'm sending this to dispute this inquiry and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX
Consumer complaint received 2021-11-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need to know the name of the furnisher of the information or the vendor that collected the information from a public record source, that reported to TransUnion that I have a bankruptcy. 
I am not disputing, nor asking for accuracy of the bankruptcy. 

Please answer that one question plain, clear and simple.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RAB, INC. (FL)

A company I represented as XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has been administratively disolved. 

XXXX XXXX - RAB, Inc. - P : ( XXXX ) XXXX - F : ( XXXX ) XXXX - is attempting to collect a debt XXXX had with a company, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has made several threatening phone calls and emails, although I had already informed him that XXXX has been disolved. 

On Tuesday, XXXX XXXX I answered another threatening phone call from him where he was very pressuring and abusive. I ended the harassing call when he started using profanity. Specifically, " XXXX this, you 're getting XXXX. '' That is when I hung up. 

I simply want the harassing emails and phone calls to stop. The fact is, I had no personal business with XXXX. The company that did, XXXX, is no longer in existence. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting 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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX 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 2016-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I requested transition to review my XXXX XXXX loan for missing payments ; however my credit score dropped by XXXX points because instead of reviewing the accuracy of the payment history they flat out removed my XXXX XXXX auto loan from their records in error. I called XXXX XXXX to attempt to see if they are reporting to all XXXX bureaus and they stated they are and that this is an issue with transunion
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

All three credit bureaus continue to report inaccurate information, which a dispute letter has been sent certified receipt return. They continue to violate 15 USC 1681a ( 4 ) Consumer Right to Privacy, FDCPA 807 misleading False reporting. I have sent numerous of letters requesting method of validation and they continue to obscure the validation notice.
Consumer complaint received 2017-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

.I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-10-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica (CA)

Money was STOLEN from my account and my dispute was denied. I was told to find and go after the thief myself. Who is now an EX XXXX employee. My card was input manually 9 times total, all separate transactions, in the time span of 2 hours, for a total of {$1100.00} stolen. My card was ran until declined because they withdrew ALL of my funds. Now Direct Express/Comerica refuse to do the lawful thing and their suggestion is to contact the THIEF?
Consumer complaint received 2020-11-13
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. (TN)

On theee occasions by certified mail I requested u see 606 that I be provided with proof and method of verification on several accounts because these accounts were verified with NO investigation no information was corrected or changed even the status date was years before the dispute. Further, they provided no proof of method of verification. They lied about verifying information andrefused to delete after missing the 15 day deadline. The rules say that they must delete accounts they do not provide proof of verification and they refused and ignored me.
Consumer complaint received 2017-08-16
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. (GA)

I have sent several disputes to XXXX, Transunion, and XXXX disputing some trade-lines and Collection accounts that are not mine and every time they come back stating that the " account has been verified ''. Which is impossible because the accounts in questions I have never had or signed up for. Each dispute I made I specifically asked for proof of verification and the processes they took to validate my account. Which is my right to have. None of the companies have done that. I request that they immediately remove this illegal trade-lines off my credit report because they have not been verified as my account. There is no way that it COULD be verified as my account because I never signed up for them!
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC (CA)

I filed a complaint. On XX/XX/2024 I received an approval for a modification. The modification requested over {$30000.00} by XX/XX/2024 with mortgage payments of {$1900.00} a month. This modification did not ever address that I had a forbearance. I was charged late fees, legal fees, thousands of dollars of unknown fees. My forbearance was authorized by XXXX and than transferred to Gregory. It appears Gregory knew nothing of this forbearance plan. I never received any documentation concerning this loan from XXXX. I had been requesting a loan modification for an entire year and was approved with a lump sum request within 5 days. The approval also clearly stated if I didnt accept and pay this agreement by the XXXX I would not be allowed to appeal the offer I received from Gregory
Consumer complaint received 2017-10-05
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: F.H. Cann & Associates, Inc. (NY)

In XXXX of XXXX, after received a phone call at work, I asked XXXX XXXX of FH Cannes and Associates to not contact me at my work phone number. She contacted me at work at around XXXX on XXXX XXXX, XXXX at work.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX are still reporting on a closed account after more then 180 past day... 
They are trying to keep generating interest and charges fees... 
They told me they would charge this account off and they still not.
Consumer complaint received 2017-10-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I was lured to apply for new credit card from XXXX XXXX by Macys store representative ( XXXX XXXX XXXX XXXX ) She lied to me that I should upgrade my Macys card that I already have to get more money savings and after I added all my information I found out that she applied for new card and that I will keep my Macys card I was furious, she did this to get XXXX bonus may be but I didnt ask for new card. I report this to make sure customers never trust Macys store representatives with their information and. Macys store should keep descent business ethnics.