davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (OR)

Called my wifes phone, misled her that it was for a job. 

I called back and phone callers repeatedly did not identify the company they were calling for. Insisted that I confirm my ssn prior to properly identifying who they were and why they were calling. 

Multiple calls with a different person each time, until I spoke with XXXX who said they were with XXXX and that they were trying to collect on a debt. 

They said this was for a XXXX  account for {$100.00} and pressured me to pay prior to posting it to the credit bureaus. 

I asked for written documentation as I dispute the debit. They were asked to provide proof of debit ownership, proof of the original debit and who it was for ( company that it was used for ). This was requested to be delivered via mail. 

They then threatened to report it to credit bureaus. I said, I have only ever had one XXXX account, and I just got a refund from it exceeding this. I believe this debit is false and will continue to believe that until they provide documentation for the debit. 

The call was abruptly ended when I declined to pay the debit over the phone for the fourth time.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account number XXXX, XXXX XXXX XXXX Account number XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-30
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MS)

I have not supplied proof under the doctrine of estoppel silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-29
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 (SD)

I am due a refund for cancelling a reservation. American Express has not done a reasonable investigation of my dispute or they would have refunded the charge. 
On XX/XX/XXXX I called directly to the XXXX XXXX in XXXX XXXX, SD to make a reservation. I did not know at the time that they transferred me to a third- party company call center in the XXXX . I made the reservation for two nights XXXX-XXXX. 
On XX/XX/XXXX at approximately XXXX, I called directly to the XXXX to cancel my reservation due to the spike in Covid 19 cases in SD. They told me they could not cancel as I made the reservation with XXXX and I must call them ( news to me ) I called XXXX and they told me I did not make a reservation with them and to check my confirmation email. I did and it referred me to another company called XXXX. I called this company and they said they would cancel the reservation. They did not send me a confirmation email of that cancellation. 
I disputed with American Express and received a response that said I did indeed stay at the hotel on this reservation? They claim to have talked to XXXX at the front desk who said I used the reservation. That is completely false? ( Someone just trying to close out a dispute! ) I re-disputed the charge. Now I get a response from XXXX showing the ways to cancel a reservation online? And say I did not cancel it. I Did cancel the reservation and I cancelled it by calling a phone number to cancel XXXX which was on my confirmation email. 
I made this reservation and cancelled via phone and now XXXX is claiming no evidence that I cancelled online? ( After they told me via phone that I had no reservation with them! ) Again, American Express has responded with inaccurate information and a poor investigation into this dispute. If this third party company has any credibility they should have my two phone calls recorded. 
Please American Express.. investigate and refund my money!
Consumer complaint received 2024-12-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Axela Technologies, Inc (VA)

In XXXX I had to have XXXX for XXXX. As unit owners we were to pay an additional {$400.00} per year to our property manager/HOA. This is for our reserve account. I could not pay in XXXX or XXXX and made the management company aware of such. On XX/XX/XXXX I made full payment and restitution for the years XXXX, XXXX, and XXXX in its entirety. Again, the XXXX payment was made for the ENTIRE year of XXXX and the payment was made in XXXX of that year. Unfortunately, the property management company continued to bill me each quarter at {$100.00} per quarter. The property management company charged me over {$300.00} for XXXX quarters of reserve payments already paid in full in XX/XX/XXXX. They then began imposing late fees on those charges. Subsequent to a complaint and my pointing out to them our bylaws demand an annual audit, they turned these false charges into a collection agency of Schwartz Vays, XXXX, Florida and accelerated my HOA fees for the remainder of the year. This happened in XX/XX/XXXX. This action was taken out of retaliation and they keep reminding me I have no rights within the XXXX community due to these false charges and have I can not vote at our meetings until the debt is satisfied. I have hired an attorney and we are pursing every legal action necessary for this to be resolved.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. The following creditor inquiries will need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TCN Inc (GA)

On XX/XX/2018, I received an e-mail from XXXX XXXX of Title Cash Now.Com at XXXX XXXX XXXX in XXXX, Georgia, XXXX, stating she wanted to " help me ''. I went to her office to what I thought was to discuss and settle the payment for my car, and as I was speaking to her, she called an armed police and a tow company, grabbed the keys from me, threatened me at gunpoint, and towed my car. XXXX XXXX, the General Manager of the office know as Title Cash Now.Com title pawn. The police officer was XXXX XXXX, and the tow company was called XXXX XXXX XXXX XXXX. They have several offices in XXXX, Georgia and hide under the number Title Cash Now.com, which I checked and was not registered under the state of Georgia. The company registered is called TCN , Inc. owned by XXXX XXXX XXXX. 
They are usingunfair, deceptive or abusive practice that violate federal law. They continue to expand with more stores in XXXX, but are not held liable for their criminal activity toward consumers. As in the case of CFPB Vs. XXXX XXXX, XXXX. they violate all of the same violations, and even more. They do not explain the risks involved with their process, such as this instance where they use threat, deception and violence, and do not encourage early payoffs. I hope that CFPB will investigate this company and bring justice to all who have been harmed by their illegal activity.
Consumer complaint received 2018-12-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2018 around XXXX EST Portfolio Recovery Associates LLC provided information regarding my debt to an unauthorized third party without verification and in  direct violation of the FDCPA. Management confirmed this violation of the act and apologized claiming it was a new employee who made the error. Furthermore, the debt in question does not belong to me as I have disputed it on several occasions due to it having been on my credit report for a span of more than 7 years. I have rights as a consumer that were violated by this company in more ways than one. This item should be removed from my credit report immediately and my number and personal information removed from their system.
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

The statements don't make any sense. It gives balance subject to interest rate and then promotional balance and those and nothing else equal the total balance. Also, I thought it was a federal law that payments had to be applied to the highest interest rate first. They are applying my payments to the promotional balance 0 % first. Also, if you look at my statements from one month to the next, the balances don't make any sense.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On three different attempts XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX EXPERIAN responded XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the same answers each time never addressing IRS VALIDATION OF DEBT ISSUE. I have been challenging the IRS validation of debt issues for a long time until I was informed about, CFPB services. Evidence that I provided. 
I am not the target of IRS liability, CFR 26, 6331 ( a ) levy may be made Officers, employees, or elected officials of the Gov't.. Federal Debt Collection Act 28 USC 3102, 28 USC 3104 ( A ), 28 USC 3104 ( b ) ( A ), court order must be issued and " earnings of a debtor may not be subject to garnishment. Also letter from the IRS Disclosure Office stating that I never had a Federal Assessment establishing a tax liability. copies were included. I asked Experian  to VALIDATE this so called debt according FDCPA Experian never did, brushed me off. I even handed Exp. the official VALIDATION ( my copy ) IRS disclosure Office NO FEDERAL ASSESSMENT and they ignored everything. IRS issues have no legal standing and must be removed at once, EXP. must make me whole.
Consumer complaint received 2021-04-06
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: CCS Financial Services, Inc. (MA)

This company XXXX ... they send a balance to collection which it was paid off and they resist of taking this information of my credit report which they are still reporting to all 3 bureaus that the account its charge off as well as bad credit. which this account was paid off by me. XXXX Original creditor : - Balance updated XX/XX/XXXX Account Info Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney they are reporting and i have complaint to them. and they said they will not stop reporting for 7 years beacuse they are a major corporation and i can do nothing about.
Consumer complaint received 2019-04-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

I had an open case : XXXX Which was closed. 

Wells Fargo Sent My CFPB Complaint Status To The Wrong Person!!!! 

Why am I receiving this from someone who you guys ( Wells Fargo ) undoubtedly thought he was me? 

On Fri, XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX, My name is XXXX XXXX. On XX/XX/19 I filed a case against Wells Fargo with the CFPB because a banking error on their part caused damage to my business. My case CFPB Case # is XXXX. On XX/XX/19 I received a response to my case stating they required more time and then another email stating that they had closed my investigation with this letter attached. 

The letter was the response to you and provide me with your email address, case number, details regarding your case and so forth. I have attached the letter for your review. I contacted the CFPB immediately and advised them of the situation. They in turn contacted Wells Fargo to advise them of their error and had the letter erased from my case. 

I am not sure but I do believe that without your consent I should not have had this personal information sent to me or attached to my case information. 

I felt it was necessary to contact you and let you know of this error. 

If you have any additional questions please feel free to email me. 

XXXX I am not XXXX and XXXX is not XXXX XXXX.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This is in regards to a Capital One Quicksilver credit card account which is and laways has been in good standing. On XX/XX/XXXX, I initiated a bill payment from my bank account to pay the balance of my credit card account. Unfortunately, I requested the payment be sent to the wrong credit card account. It went to my Ca [ ital One credit card account on which I had a balance under {$200.00}. The payment was in the amount of {$11000.00}. This resulted in a credit balance with CapitalOne in excess of {$11000.00}. 

Since XX/XX/XXXX when I realized my error, I have been trying to get the money returned to me. I was first told it would take 7 to 10 business days because they had to send a check since the payment was made by check. In fact, my bank paid the bill electronically. However, I accepted the timeframe and waited. I have now called Captial One four times ( XXXX, XXXX. XX/XX/XXXX and XX/XX/XXXX ), spoken to four account reps and two senior reps. Each time I am given a different timeframe, different process and different date upon which I should receive the check. 

Today, XX/XX/XXXX, I spoke with a senior rep who told me that there is a " process '' that could take up to six weeks and that I " might '' have my refund by the middle of XXXX. She also informed me that no one above her level ever speaks to customers as they were all administrative. She also told me to get my bank to just take the payment back. I explained that the bank had made no error and that they would be unable to initiate an ACH debit against a credit card account. 

This is a large amount of money to me and I feel Capital One is holding it justly.
Consumer complaint received 2019-04-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I XXXX XXXX DIDN'T RENEW MY LEASE WITH XXXX  XXXX APARTMENT AND SINCE I DIDN'T INFORMED THEM WITHIN 30 DAYS THEY SAID THAT I OWED THEM BUT I PAID THE PREVIOUS MONTHS AND NEVER WAS LATE SO HOW DID THEY ADD A WHOLE NEW MONTH TOWARDS ME, NOW THEY HAVE SOLD IT TO PRO'COLLECT COLLECTIONS AND ITS MISSING UP MY CREDIT AND ITS KEEPING ME FROM PURCHASING ANYTHING BECAUSE THIS IS ON MY CREDIT REPORT SO PLEASE HELP ME IF YOU ALL CAN TO GET RESOLVED THIS PROBLEM FOR ME THANKS, XXXX XXXX
Consumer complaint received 2022-10-21
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: Concentric Receivables Management, Ltd. (TX)

I had XXXX XXXX that I paid cash for the service. I paid the doctor and the facility in full at the time of the service. Over a year later, I see a derogatory mark on my credit. I called the company and they said I received a medical device and that I hadnt paid for it. 
I explained I never received the device and so I should not be responsible. They said you still owe us for it. I think this company is a scam and demand it be removed from my XXXX report. XXXX has already removed this from my credit. 
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information ( This section includes accounts that have been placed for collection with a collection agency. ) CONCENTRIC RECEIVABLES XXXX XXXX XXXX XXXX XXXX TX XXXX : ( XXXX ) XXXX Account Number XXXX Status Date Date Reported Date Assigned XX/XX/2022 XX/XX/2022 Date of XXXX Delinquency Creditor Class XXXX XXXX Balance Date Balance Amount Page 3 of 26 Client Name CONCENTRIC RECEIVABLES MGMT Last Payment Date Whose Account Original Amount {$2900.00} ( Continued On Next Page ) XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

on XXXX. My account was transferred from XXXX XXXX to XXXX XXXX XXXX XXXX. When this happened, My account was listed as CLOSED with all credit reporting agencies, XXXX XXXX, Equifax, and XXXX. On XX/XX/XXXX, My account was added back to Equifax. In XXXX of XXXX, my account was added back to XXXX. As of Today XXXX. 14 months later, My account is still not on my XXXX XXXX credit report as an Open account. It is still CLOSED. I have made ALL payments on Time. I have contacted the credit union directly multiple times. Evidently the employees I have spoke to Do not clearly understand what they need to do to fix my credit report. It is not the reporting agencies that have the issue, it is XXXX XXXX XXXX XXXX XXXX XXXX that has the issue with reporting my account correctly. I recently checked my Equifax report and saw that the balance on my account had not been updated since XX/XX/XXXX. I sent a dispute through Equifax on XXXX for the balance to be updated. On XXXX I received notice that the account was Closed. The account is still Open with a balance. 
Currently only my XXXX report is correct. 
The last time all of my reports were correct was XXXX
Consumer complaint received 2019-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THE NEGATIVE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE AND REMOVE THE DISPUTED ITEMS OFF MY REPORT.