davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc. (CA)

I contacted XXXX XXXX Hospital about the XXXX  debt owed to the hospital and was told that they notified Designed Receivable Solutions and advised them to delete the negative accounts from all credit bureaus. I received a letter from Designed Receivable Solutions dated XX/XX/2020, stating they had received authorization from XXXX XXXX Hospital to  remove any and all negative accounts from all credit bureaus under my name. I will attach the letter.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

after reviewing my credit report I sent a dispute letter to XXXX, XXXX  and Equifax on the inconsistent accounts and inaccurate information account XXXX XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX  XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX XXXX XXXX XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account USDOE/XXXX XXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.
Consumer complaint received 2021-09-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NC)

In XX/XX/XXXX I wrote a check in the amount of {$20000.00} for deposit and mailed it to Goldman Sachs to fund an account using their MARCUS savings account product. I was instructed to make the check payable to myself and endorse the back of the check. I followed their instructions exactly as they explained and mailed the physical check. The check was not cashed at that time and I was informed that Goldman Sachs could not locate the check. I placed a stop payment order on that check with my normal bank XXXX XXXX XXXX XXXX and replaced the lost check with a wire. I subsequently closed the Goldman Sachs account earlier this year ( I believe it was in the first quarter of the year ). On Thursday XX/XX/XXXX ( 15 months after writing the original check ) the check was cashed by Goldman Sachs and cleared from my XXXX XXXX XXXX XXXX account. I contacted XXXX XXXX on XX/XX/XXXX and was informed that they had no record of the check being received and my account was confirmed as closed and unfunded at that time. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and was informed that the stop payment I placed on the check 15 months ago was no longer valid and would not have done any good because the stop payment is only valid for six months. Also on XX/XX/XXXX, a representative from Goldman Sachs reached out via phone and informed me that they would be reimbursing me my {$20000.00} via a check delivered via the US Mail, they confirmed what address to send it to and the call was completed and I believed the issue resolved. Today I was contacted via email by Goldman Sachs to let me know that since I have moved they can no longer send me a check and they don't know how to get the money back to me. As of filing this complaint I have no resolution on how am I going to get my {$20000.00} back.
Consumer complaint received 2020-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, 09 XXXX XXXX XXXX DEPT OF ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX
Consumer complaint received 2021-09-02
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)

I, XXXX XXXX XXXX identify as a natural person and consumer. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (GA)

To whom this may concern, Rent Recovery Solution at XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX has been reporting a account of the amount of {$1600.00}. The collection has been reporting inaccurate information. I do not know this company. I have never done any business or had any type of partnership with them. This company does not whole any legitimate contract bearing my signature. Below I have tried to communicate with this company to handle this matter and been completely left in the dark. 



1.On XXXX/XXXX/XXXX, I spoke with a customer service member XXXX, After speaking with him he tried to fine me in the system but was unable to verify information per social security number and phone number. After doing some research he mention to me that he was unable to find me in their system. 

2. On XX/XX/XXXX, I mailed 1 of 2 certified letters # XXXX XXXX XXXX XXXX XXXX. The front desk/receptionist for Rent Recovery Solutions , LLC received my letter of concern to validate the alleged debt that your company is stating I owe. It has been well over 60 days regarding this matter and there is still no insight on the validation of this alleged debt. 

3. On XX/XX/XXXX, I mailed out a second certified letter # XXXX XXXX XXXX XXXX XXXX, as a follow up from my previous letter. On XX/XX/XXXX the front desk/receptionist from Rent Recovery Solutions , LLC received my letter of concern to validate the alleged debt that your company is stating I owe. It has been well over 60 days regarding this matter and there is still no insight on the validation of this alleged debt. 



I have also reached out to XXXX who happens to be the one reporting this account on multiple occasions to validate the alleged debt information on my Consumer report. This matter has continued to be neglected. I never received what was requested of them. Below I have been keeping close track of communication timeline : 1. On XX/XX/XXXX, I mailed certified out USPS # XXXX. The front desk/receptionist for XXXX who is reporting ( Rent Recovery Solutions, LLC ) received a letter of concern to validate the alleged debt that your company is stating I owe. 

2. I have tried to call XXXX multiple times regarding the debt since the validation letters that I have sent are not being replied too. Every time I have called I've been placed on hold, transferred to someone that can't assist me with the matter or hung up on. 

3. The same applies for USPS certified letters : - Tracking # XXXX - Tracking # XXXX - Letter sent on XX/XX/XXXX Under the terms of the Fair Credit Reporting Act ( FCRA ), companies and credit bureaus have to prove that you owe a debt to list the item on your credit report. Since this matter is months over due I demand that this account be removed from all Consumer Credit Reporting agencies.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2021-09-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (CA)

WE SOLD A VEHICLE ON XX/XX/2021 AND WERE GIVEN A CASHIERS CHECK FOR PAYMENT. WE DEPOSITED THE CHECK ON XXXX TO OUR BANK WELLS FARGO AND WERE GIVEN A DATE OF XX/XX/2021 FOR THOSE FUNDS TO BE RELEASED. THAT DATE CAME AND FUNDS WERE NOT RELEASED. WE IMMEDIATELY CALLED WELLS FARGO TO FIND OUT WHAT HAPPENED AND WERE GIVEN A MESSAGE TO CONTACT THE ISSUER OF THE CHECK. THIS WAS THE MESSAGE THAT WAS GIVEN TO WELLS FARGO. XXXX XXXX XXXX WAS WHO ISSUED THE CHECK.. THEY TOLD US THE FUNDS WERE RELEASED ON XX/XX/2021 AND THAT EVERYTHING WAS FINE. WELLS FARGO IS SAYING NOTHING OTHER THEN THEY HAVE NOT RELEASED THE FUNDS AND THE ISSUE IS WITH XXXX  XXXX XXXX. THE CHECK WAS FOR {$19000.00} DOLLARS AND WE HAVE YET TO RECIEVE A LOGICAL EXPLAINATION OF WHO HAS THE FUNDS AND WHERE THEY ARE. BOTH BANKS ARE BLAMING EACH OTHER AND NO ONE HAS A DIFINITIVE ANSWER. WELLS FARGO IS SAYING THAT XXXX  XXXX XXXX HAS NOT RELEASED THE FUNDS AND XXXX XXXX XXXX IS SAYING THAT WELLS FARGO HAS NOT RELEASED THE FUNDS.
Consumer complaint received 2019-06-28
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: Experian Information Solutions Inc. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified.  Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XX/XX/XXXX, XXXX v. XXXX ( Experian ), and XXXX XXXX XXXX, XX/XX/XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XX/XX/XXXX, FL XXXX
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

AFTER SEVERAL ATTEMPTS WITH SUPPORTING DOCUMENTATION ALL 3 CRA 'S MENTIONED HAVE FAILED TO THOROUGHLY INVESTIGATE, PROVIDE PROOF AND/OR REMOVE THESE FRAUDULENT ITEMS FROM CREDIT PROFILE. 

XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-09-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

This is further to COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 because PayPal made an incomplete assessment and stated that I had not conformed to a time-frame of 180 days. This isn't entirely true, and PayPal needs to look into this complaint more thoroughly. In addition, PayPal completely ignored the problems PayPal causes by putting merchants in a list -- without the account-owner 's knowledge -- that enables the listed merchants to pull money from accounts automatically. _______________ An unauthorized charge was made on XX/XX/2021. 
_______________ I reported the charge to PayPal on XX/XX/2021. 
_______________ The unauthorized charge was made by XXXX. 
_______________ I had informed XXXX by text-chat on XX/XX/2021, that they were taking money out of my account without permission. 
_______________ XXXX promised in writing in that same text-chat 1 ) to make a partial refund of prior charges and 2 ) that they would never make any further charges. 
_______________ But they never made the refund. And they also took money out of my account again on XX/XX/2021. 
_______________ This I reported this to PayPal on XX/XX/2021. 
_______________ PayPal closed my first complaint here on CFPB on XX/XX/2021. They said I had not notified them of the problem within 180 days. 
_______________ But I notified them ON THE SAME DAY of the most recent problem. And also well within 180 days of XXXX 's written promised refunds. 
_______________ PayPal was wrong to motion to close my CFPB complaint. 
_______________ PayPal also needs to take responsibility for automating a setting in which merchants are given the ability to pull money out of accounts without the owner 's knowledge of that setting.
Consumer complaint received 2021-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NC)

BARCLAYS BANK DELAWARE Opened : XX/XX/2017 I am requesting a 1099C, financing statement, insurance information and take down letter within 15 days for this request. 

Thank you!
Consumer complaint received 2021-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (GA)

On XX/XX/2021, at XXXX EDT, Nelnet contacted me by robocaller attempting to collect a debt. 

On XX/XX/2021, at XXXX EDT, I contacted Nelnet via their web form to tell them that I do not wish to be contacted by phone about the debt I owe them. 

On XX/XX/2021, at XXXX XXXX, I received another robocall from Nelnet attempting to collect the debt.
Consumer complaint received 2019-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC (TN)

They were servicing a loan I had through XXXX XXXX. My payments came out on the XXXX of every month regardless of what day of the week it was. On XX/XX/2019, I noticed that the money had not been removed from my checking account and went to Monterey 's site to check my account. My account was shown as overdue in bold red lettering. The payment amount should've been {$190.00}, but the total balance on the account was {$300.00}. To just put an end to the situation, I paid the full amount of {$300.00} plus an extra {$10.00} fee for making a non-scheduled payment. On XX/XX/XXXX, both the scheduled and non-scheduled payments went through, and I have overpaid {$190.00} total. I contacted them by phone and they told me the account would remain open till I had been refunded the overpayment. A week later, on XX/XX/XXXX, I still hadn't been returned the money and they closed my account anyways. I contacted them before I left for work via email and was responded to with an apology and promised they would put it in. This was an obvious lie because on XX/XX/XXXX I still hadn't received the funds. I again contacted them via email and informed them that I was going to seek legal counsel through my Union 's legal service department. They responded with another blatant lie that my account was credited the full amount on XX/XX/XXXX and should show up within 24-48 hours ( if that were true I basic math would suggest I already had it ). The lawyer I spoke to suggested I break any further contact with them directly and to file a complaint with the CFPB and update him at a later date if still not resolved.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XX/XX/2020 I have been trying to dispute and get late payments from my XXXX XXXX student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SERVICEMAC, LLC (FL)

I was approved for a COVID forbearance in XXXX or XXXX of XXXX. I received 2 or 3 extensions and then requested a modification in XX/XX/XXXX. The representative assigned to my account is unable to explain why my request is still under review. It has been more than 2 months since my request and I'm still waiting for a final decision. I've requested to speak with a supervisor on several occasions and the only representatives I have been given access to are regular collections agents and my assigned representative.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2021, three unauthorized electronic fund transfers -- for {$88.00}, {$37.00}, and {$33.00} -- were reflected on my checking account. The following day, on XX/XX/2021, I called Citibank and reported the unauthorized transfers. An investigation was thereafter opened. ( I would be happy to provide documentation confirming this if needed. ) On XX/XX/2021, I called Citibank again to request an update because no provisional credit had been awarded. I spoke with a representative named XXXX, who told me that Citibank had decided to not provide me with provisional credit. He refused to provide me with any explanation underlying that decision. I then asked to speak to a supervisor and was promptly disconnected from the call. Two attempts later, I was finally connected with a supervisor named XXXX, who told me that the bank would immediately render a decision regarding the provisional credit. No such decision was ever communicated. 

On the morning of XX/XX/2021 -- ten business days after I notified Citi of the unauthorized transfers -- I called again and spoke with a representative called XXXX. At first, she told me that no investigation was ever opened for those unauthorized payments. After I provided her with the reference case number, she stated that she could not convey any information about the investigation. I then asked to speak with the appropriate department, and she told me that " the back office is not taking calls. '' I was subsequently connected with her supervisor, XXXX, who essentially communicated the same. He stated further that he would send an urgent email to the office elevating the issue. Still, I have yet to hear anything from Citibank about the investigation or receive any provisional credit. 

Of note, Citibank never requested written confirmation of the unauthorized transactions after I provided verbal notice. Also of note, the same unauthorized fund transfers were reflected, around the same time, on another one of my checking accounts with Citi, and I have received provisional credits for those.