davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (UT)

Back in XX/XX/2022, I noticed USBank has an online AD shows they will provides a {$400.00} welcome bonus offer for new personal checking account : " Complete two or more direct deposits within 60 days of opening your new Platinum, Gold or Easy checking account. 
Earn {$200.00} when your direct deposits total {$2500.00} to {$4900.00}. 
Earn {$400.00} when your direct deposits total {$5000.00} or more. 
This offer is valid through XX/XX/XXXX. XXXX XXXX : XXXX " I opened checking account via USBank 's website with Promo code " XXXX '' on XXXX, and start using this new personal checking account as my salary direct deposit account. 

By now, I already made more than 12 direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. 

I contact USBank customer service more than 5 times in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Can you please help me to resolve this matter. Just found out on my consumer file that Equifax has furnished a Bankruptcy on my credit file. This was done without Permissible Purpose and has violated my right to privacy. I have contacted the Municiple Court and they have stated they did not share this information with Equifax or XXXX the company Equifax used to furnish the information, which was also done with out my permission. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called XXXX XXXX and Equifax numerous times and emailed their CEO XXXX XXXX and XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.
Consumer complaint received 2022-10-05
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 — Their investigation did not fix an error on your report
Company: FirstPoint Collection Resources (CA)

First Point Coll account # ( XXXX ) has violated my rights under FDCPA 15 U.S.C 1692g 809 ( a ) by failing to sending me, the consumer, notice of debt within 5 days of initial contact. 

First Point Coll ( XXXX ) has further violated my rights under FDCPA 15 U.S.C 1692e 807 ( 8 ) by failing to communicate that the debt was disputed. 

XXXX has also violated my rights under FCRA 15 U.S.C 1681s-2 623 ( a ) ( 3 ) by failing to provide notice of dispute after closing my dispute and after 30 days required by the FCRA. 

I will attach documents that provide proof of these violations. Documents will include the day this account was disputed, the date the dispute was closed, and a credit report 30 days after dispute was submitted. I demand that both companies permanently remove this account from my credit report.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S. Code 1681 section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (AR)

They have repeatedly called me almost everyday for about a year. Some times there is a day or two gap in calls but they call me Atleast 4 times a week. I never return calls unless a voicemail is left or I know/recognize the number, and I NEVER answer unrecognized numbers. Almost every time they call its from different numbers but the same area code ( XXXX ) and the caller ID just says XXXX, Ok. I dont know how many phone numbers this company has but good lord theyve called me from probably XXXX different numbers, which as you can understand makes blocking them impossible. I do have some debt collectors sending me mail but these phone numbers or company name ( CBE group? ) are never on the paperwork so I have no idea what these people want and Im not talking to them. 

The other day it changed when the caller Id said CBE GROUP and I had something to go off of so Ive been looking into them. The reviews are downright scary. A lot of people saying harassment, lots of calls, rudeness, scam-like behavior, demanding personal info without giving any info themselves about why theyre calling. 

I have no idea who these people are or what they want and I refuse to talk to them. I just found out about this bureau and being able to make a complaint. PLEASE HAVE THEM STOP CALLING ME FOR THE LOVE OF XXXX STOP CALLING ME
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (NV)

I was directed to the XXXX XXXX XXXX  with XXXX XXXX  to finance my dental work totaling approximately {$7000.00}. The dentist directed me to the on-line prequalification site to see if I would be approved without going through the formal process. The prequalification denied my credit so I tried to add my mom to the prequalification site as a co-signer. That prequal was denied also. Based on the wording on the website there were just a few questions and the inquiry would not impact my credit score. Within days XXXX XXXX  sent the denied credit to the 3 credit agencies and my score dropped between XXXX points. When I contacted XXXX XXXX  they said nothing could be done. Their claim 'to get a decision in seconds with no impact to your bureau credit score ' was misleading. Neither me nor my mother accepted the offer, which according to the site may then impact the credit score.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

my paypal account is permanently limitted the paypal campany sent me below message .... '' After a review, we decided to permanently limit your account as we found potential risk associated with it. 

As a result, we can no longer offer PayPal services to you. 

Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. 

If you have funds in your PayPal balance, it will be held for up to 180 days. After that, we'll email you with information on how to access your funds '' so how can i resolve it?
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (FL)

XX/XX/XXXX A " XXXX XXXX '' called and my son regarding case number XXXX and threated to go to my place of work to arrest me. They used my married name. There is nothing in my credit report that applies to the debt they are claiming. I don't know what it is regarding. I was contacted on XXXX with a similar call and no threats. The company was LVNV Funding LLC over a debt from XXXX in XXXX. I have never had anything in collections from them.
Consumer complaint received 2022-10-05
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-31
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: EQUIFAX, INC. (MD)

I XXXX XXXX a federally protected consumer pursuant to 15 USC 1681a. I have the right to dispute and get alleged debt and all information removed from the consumer report file. I demand these accounts be remove they are fraud and I do not authorize nor consent to them being furnish on my consumer report from anyone other than me the consumer pursuant to 15 USC 1681b permissible purpose has to be given to anyone who wishes to furnish any information on my consumer report.
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (DC)

XXXX XXXX XXXX XXXX keeps calling my work phone number to collect a debt that is neither mine nor any of my clients. I have requested removal from the list at least 3 times at this point and informed them that the person they are trying to reach is not associated with my number. I receive calls about twice a month. The last call they made was today, XX/XX/2022 at XXXXXXXX XXXX
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: First National Collection Bureau, Inc. (GA)

My husband and I divorced XXXX/2019. We did not accumulate any debt together. First National Collection Bureau XXXX has been harassing me about a debt belonging to my ex husband. In my divorce decree we listed our creditors. I do not have an account with this company nor have done business for this company to contact me and harass me. They have left obscene messages on my personal phone. They stated they are attempting to collect a debt which is a violation. I am not who they are looking for yet they have violated me by telling me my ex owe a debt. That is not my problem it is a their problem. I have ask a representative not to contact my phone bc by law my ex husband husband is legally living separate lives.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (NJ)

XXXX has sent me to collections for a debt that is not, and is impossible to be, mine. This is for an account that I have since transferred and closed. It is being claimed that this account was closed in XXXX of XXXX, when I closed the account three years prior. I have a screenshot of that account closure. 

I have documentation that I had transferred my service from XXXX XXXX XXXX in XXXX XXXX to XXXX XXXX XXXX as of XX/XX/XXXX. 

I could not have had service in two places at once. 

Furthermore, I have also attached an account closure notification for the jersey city account on XX/XX/XXXX. 

In XXXX 's letter, the info graph of gas usage was zero for all of last year, and then somehow restarts in XXXX of XXXX. There is no explanation for this, i have not lived at this address for 4 years. 

The collections agency said this debt is valid because it's in my name. I sent them my documentation and they claim there is nothing they can do. 

It is clear to me that someone on XXXX 's end failed to close my account properly, or it was reopened under the last known resident. Either way, this is not my debt. I have not lived at this address in years.
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (CA)

Regional Acceptance Corporation received a check in the amount of {$740.00} and even though there was no writing on the check for " principal only ' XXXX cashed the and applied it to the principal which has made the loan past due and collecting daily interest. I have asked for the payment to be applied properly as the letter enclosed with the check says it is to be applied to the loan as well. 

Thanks.
Consumer complaint received 2022-10-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I recently received a letter from my previous mortgage company that my social security number, name and other information was stolen. I received the letter in the mail today, dated XX/XX/XXXX, XXXX they informed me that my information was stolen. last year around XX/XX/2021, i filed a police report and id theft report because i was afraid of something like this. I sent out ftc reports and a police report to the three credit bureaus asking them to remove certain accounts from my credit reports, including XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. the credit bureaus are allowing these accounts to pop back up on my report. i already told them i was the victim of fraud and id theft and i expected them to remove the files and block them from coming back on there but that is not the case. recently, i noticed someone tried to apply for a mortgage in my name through XXXX. XXXX said i have a fraud alert but that is not helpful. i am supposed to have one for experian but that does not seem to be the case because someone keeps accessing my credit files even with fraud alerts and none of them are not working so well. i called experian today about this, they transferred me to so many different people. the person who is supposed to handle my case never called me back. I left him a voice mail and he never returned my calls which is sad. XXXX did not do anything at all for me to remove any accounts i requested.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

My former lender was XXXX XXXX ; in the middle of a forbearance plan, they sold my loan to Selene. Since XX/XX/ 2022, I have tried to do a loan modification to bring my account to Good Standing. I have provided all the documents requested for that purpose and answered all requests in a timely manner. However, as time has passed, I have noticed many inconsistencies which I have previously discussed in my prior complaint. The last thing that I have done to cure my default account is to pay the XXXX missing payments to bring my account up to date. I spoke to one of the agents, whom stated that I needed to bring my account up to date with the XXXX payments. Why am I filing a complaint? Because today at XXXXXXXX, I received the second call during this process ( nobody ever called me, I am the one who is constantly making phone calls to find out the status of my account, and the correspondence procedures in my situation ). This person called today to find out about a pending loan modification application which I requested to work on. However, after considering all these inconsistencies with XXXX, my husband, my family and I have come to the conclusion that this company does not want to help me. Moreover, they are trying to take my home. My family did everything in our power, everyone contributed with something to bring my account to Current and I paid {$39000.00}. This money has been taken out of my bank, but it has not been deducted from my mortgage default payments. When he spoke to me today, he stated that the house is not in foreclosure, and that the payments should be posted to my account. At this point, I am very confused. For this reason, I am filing a second complaint. This payment was received on XX/XX/ 2022 -- they received my payment but are not taking out my pending default balance. I am trying to work with them but obviously they have another agenda. I am feeling frustrated, deceived and treated unfairly. My conversation with them was recorded, for my own records, but I told the agent about it. I am reaching out because right now, I feel really mistreated. Even then, I am doing everything in my power to work with XXXX. I can provide you with any documentations to follow up with this matter. I'm really grateful for your support on this. I really appreciate the services you provide to people in my situation.
Consumer complaint received 2022-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX and XXXX XXXX XXXX will not provide original bill showing additional fees. All medical debts were/have been paid in full through XXXX XXXX XXXX No medical debts should be on my credit reports. I've already contacted doctors and hospitals that show all billing paid in full including the anesthesiologist. I do not owe {$250.00} for any services. I demand removal of this account from my Experian collections/credit report. This follows a complaint to the XXXX  as well. XXXX and XXXX have validated and removed accordingly.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (VA)

I did not confirm the debt. AFNI Collection Agency is reporting on my credit report of a date of XX/XX/XXXX. I have not had or paid an XXXX XXXX XXXX account since XXXX. Company is  attempting to collect on a debt that is eight years old. I have not had any contact with this collection agency besides mailing a request to verify this debt. I did not receive an response from the company and the company is reporting on my credit reports.
Consumer complaint received 2021-11-11
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. (TX)

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct, a letter is enclosed that explains everything