davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
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. (IL)

In XX/XX/XXXX I opened an account with XXXX XXXX ( acct ending XXXX ) ( please see attached ). I never missed a payment. In XX/XX/XXXX I was notified by XXXX XXXX that my account had been charged off. Knowing that to be false, I asked them to produce proof. The account number ( acct ending in XXXX ) they provided me didnt match my account. They then told me that I opened a second account with them sometime in XXXX. I notified them that wasnt the case and asked them to produce something in writing showing that I asked for a second account. They were unable to do so. In XX/XX/XXXX I filed a formal challenge with Experian ( please see attached ). Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, states that [ Experian ] is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. They have not and can not provide any written proof that I have ever applied for this second account. As a result, my financial reputation is at risk. This matter should be investigated by your office as Experian is engaged in the defamation of consumers and is complicit in the spread of misinformation.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Since XX/XX/2018, my credit score has been wrongfully dropping every single month due to the wrong information on my Toyota loan. Toyota has been filing a delinquent account when I have been paying on time every single month. I have called them numerous times to fix the issue, and they said that there is no reason why my credit score shows that it is delinquent when it is not. I have disputed these incorrect claims every single month, as it is resolved after my dispute, but then incorrectly claimed as delinquent again after a couple of weeks. I have been given the runaround and feel that enough is enough. My wife and I are in the process of purchasing a house, and these incorrect claims have been hindering our chances of attaining a loan, which has become extremely frustrating and unfair. As a military member in the United States XXXX XXXX, this also becomes a huge ordeal because of the effects it has on my credit score that could ultimately jeopardize my security clearance. Please assist me in these incorrect and wrongful claims so that my wife and I could finally give our daughter the house we worked so hard to finally purchase. Thank you so much for your assistance, time and consideration.
Consumer complaint received 2021-11-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX, a consumer is making a complaint to the three Bureaus ( XXXX, XXXX and TransUnion ) for not notifying me in a timely manner. I have reached to them and tried to fix the problem with them multiple times but they are not responding to my dispute which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance. 

They also violated my federal rights under : 15 U.S.C 1681 for reporting inaccurate information and for disregarding my consumer 's right to privacy. 

15 USC 1692g, as they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2023-01-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Several fraudulent accounts are reporting on my credit report as a result of identity theft. Equifax I was told would remove and block these accounts. On a call made friday the XXXX I was told that the fraudulent accounts would be blocked from appearing on my credit report within 72 hours and was given XXXX confirmation numbers supporting this. I called back today the XXXX to confirm this information and to ensure these accounts were removed and blocked from my credit report to which the representative informed me that the previous representative was lying to me and that the information would not be removed and blocked and said that I would have to go through another pointless dispute process. I tried to explain to representative that I had already went through the dispute process multiple times and that this issue was still not corrected she did not seem to care nor understand and instead offered to initiate a dispute
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

In early XX/XX/2019, being a Senior Citizen if XXXX years old, I was having difficulty in transferring my funds between my checking account & my savings account in my Citibank accounts. 

Due to that fact that I the Citibanks fund transfer system malfunctioned, I was under the impression that I had successfully transferred my intended funds correctly when it was not, thus resulting in a missed payment which was beyond anyone expectation n control. 
As a result, a $ XXXX/- charge which was unjustiedly n unfaired made. 

I amicably attempted to urge the bank officers in the phone to waive this fee, however, when we came to the discussion of my XXXX year of age, the Citibank supervisor unlawfully discriminated against me because I was told not to use the banks system because of my age, which is against my human rights!!!! 
I now seek CFPB to redress this ILLEGAL AGE DISCRIMINATION against me & have this issue be escalate to the proper US Authorities to deal with.
Consumer complaint received 2019-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Everest Receivable Services Inc. (AZ)

Received calls between XXXX and XXXX multiple times : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX
Consumer complaint received 2019-09-06
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. (FL)

There is an account reporting on my credit file with XXXX XXXX XXXX it's showing a partial account number of XXXX. The account was paid in full but for some reason it's reporting as a repossession. I don't dispute the fact that the payments were delinquent but the car was turned in after the lease was completed.
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

This is an ongoing issue with Resurgent. CACH, LVNV they are all run by the same person CEO XXXX XXXX. He is the one responsible for the companies he runs. Many years ago a default judgement was obtained against me by CACH LLC the courts were told I had been served. A lie, I would later prove. I was a victim of identity theft which was reported to the FTC, the police, the social security admin It was reported to all three credit bureaus.I sent this paperwork to all the bill collectors at and everyone was so willing to help and change the way I had been reported. Everyone except XXXX companies. In fact I couldn't get anyone to talk to me all they wanted was my money and I owed nothing. Had they read the paperwork I sent to them at least 15 times they would have seen just how bad the identity theft was. They would have realized that it was not me but someone using my social security number. It could have been taken care of 12+ years ago on some of the larger credit cards. Some did sneak in in XXXX XXXX and nothing now for 5 years. But Resurgent didn't do that they kept reporting me to the three credit bureaus like I was a deadbeat. And they personally ruined my credit bu double reporting on cards, be not reporting that there was identity theft and even today you can see by their response to my last complaint how wrong they are. XXXX wrote a reply he said that my XXXX XXXX card XXXX was activated in XXXX Please see the attached. They have continued to report false untrue wrong things on me. And it doesn't matter that they to date still are reporting me and I am sorry I have been punished for a lifetime because of them. I have had to pay higher insurance rates, I have not had a new car, I cant get a traditional bank account and I am XXXX. Why because good credit opens doors and they have only slammed in my face and this had nothing to do with me. I was the victim they knew this and didn't care. In XXXX they were reporting me double LVNV and Resurgent on the same cards so it looked like two. I have attached my response to XXXX and it will show that my card XXXX was not active as he states in XX/XX/XXXX and I do not owe a XXXX. Again now they are going to remove items off my report They need to remove them the right way not a charge off as they have done with other accounts. Its called Identity theft nothing negative should be on my credit reports
Consumer complaint received 2021-02-02
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/2021, I sent letters about inaccurate reporting of false items on my credit report. I have not received a response from them yet. I feel like I'm being ignored by them of my disputes. This are deceptive practices by the bureaus.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I attempted to reach Capital One investigation team at XXXX earlier today, XX/XX/20, I was on hold for over fifteen minutes and no one picked up.. My attempt to contact is in regard to prior CFPB complaint ID XXXX and investigation ID XXXX, a check intercepted and signed in my name. My call was to inform the rep ( s ) I was able to reach the other party whom cashed check, was able to obtain funds from the party after speaking for over half a hour over the phone.. I wanted to inform the investigator to close the case out, however, I was unable to reach any reps via phone.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/2022 - Interview Invitation received from XXXX XXXX using email XXXX XX/XX/2022 - Interview was held on XXXX - point of contact " XXXX XXXX XXXX '' - XXXX ID XXXX : XXXX - Offered employment and emailed employment agreement and documents to complete and return. 
XX/XX/2022 - Informed needed to pay fees for software and equipment for home office and would be fully reimbursed- was provided a Reimbursement Agreement contract document and emailed a " Start Up '' check that was to be reimbursement. Instructed to print and deposit check via banking app. 
{$550.00} XXXX transfer for software licensing. 
{$950.00} XXXX transfer for office equipment and materials {$850.00} XXXX transfer for overnight shipping service for office equipment and materials XX/XX/2022- Message received the company will be emailing a check of {$5500.00} today to complete all general payment including the Tax and Clearance fee for working materials- asked to make yet another a payment of {$1500.00} with personal funds and that would be reimbursed with another startup check before the end of the day. 
This was too much. Bank of America was immediately called at this time and a complaint filed, Claim # XXXX - requested action be taken to recover my money. Bank of America has not provided any follow up even though the full information of what transpired and how it was conducted has been submitted in support of complaint. The bank put a stop payment on the check that was deposited as instructed resulting in {$0.00} reimbursement. 
Complaint filed with FTC. 
Report number : XXXX Thank you for filing a report with the Federal Trade Commission and helping to fight fraud in your community. 
The FTC does not resolve individual reports, but your report will be entered in the FTC 's Consumer SentineXXXX database and will be available to federal, state, and local law enforcement across the country. 
XX/XX/2022 - Bank of America reversed the mobile deposit of {$2400.00} stating a stop payment was made on the check on XX/XX/2022. Notice of returned item received via USPS - notice is dated XX/XX/2022. 
XX/XX/2022 - Emailed to the " vendors '' requesting immediate refunds. No responses. 
XX/XX/2022- XXXX message to " XXXX XXXX XXXX '' - " Refund my money immediately '' - no response.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

DATE : SUNDAY AFTER CHURCH : XX/XX/2021 PROBLEM : WITHDRAW AT ATM WHAT HAPPENED : XXXX XXXX WOULD NOT RELEASE MY FUNDS TO ME AND ARGUED EVERY STEP OF THE WAY. I WAS ESCALATED TO A MANAGER AS REQUESTED BUT THAT WAS A JOKE HER NAME WAS XXXX XXXX HER AND THE FIRST AGENT WERE CLOWNS TO SAY IT KINDLY. 

WHAT COMPAMY IS THIS ABOUT : WELLS FARGO FIRST AGENT WHO ANSWERED THE CALL AS WELL XXXX XXXX. 

WHY THESE PEOPLE WANT TO MAKE IT HARD FOR ME TO GET MY MONEY IM GOING TO LOSE MY XXXX WITH YIOU PEOPLE! 

WHY CANT YOU BE HELPFUL AND WANT TO CHNAGE INSTEAD OF XXXX PEOPLE OFF AND MAKING THINGS WORSE. 

ONCE MY INCOME TAX COMES I WILL BE LEAVING THAT FREAKING BANK AS THEY ARE DOING THE XXXX WORK AND I DONT WANT ANY MORE PART OF THESE PROBLEMS THAT SEEM TO BE CONSTANT WITH THEM. 
THEY CHEAT THE PEOPLE WITH FAKE ACCOUNTS AND XXXX KNOWS WHAT ELSE IS UNDER THE TABLE. 
I AM ASKING TO DO SOMETHING TO THIS COMPANY AND THEY BE FINED OR PUT OUT OF BANKING AS THEY ARE NOT RIGHT IN SO MANY WAYS!!!!!!!!
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery Associates LLC is attempting to recover a debt that is not mine and I have disputed on my 3 credit bureaus and was discharged several years ago. Portfolio is trying to recover a debt that was legally discharged by XXXX XXXX, XXXX and XXXX due to Fraud .For XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ma XXXX. 
The # on the account Portfolio is trying to Collect is account # XXXX Creditor XXXX XXXX Balance XXXX My complaint also includes Portfolio Recovery was sent several Written letters to no longer contact me by Phone, per the Fair debt and collections practice act as is my right. 
They have repeatedly called in a harassing matter now since XX/XX/2020. I have blocked over 100 phone calls from there company regardless of my written notice to only use my mailing address to contact me as this is fraud and need to be in writing not over a telephone .They have repeatedly ignored my request. 

PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Hi my name is XXXX XXXX Please help me! 

I am confident that the Consumer Financial Protection Bureau will be able to resolve this issue. I have a collection on my Credit Report from LVNV Funding LLC the original Creditor is XXXX XXXX. I sent LVNV Funding LLC an Affidavit ( Statement Of Fact ) that was notarized sent certified mail with a delivery receipt. To Verify and or Validate the debt they say I owe. I have attached the Affidavit I sent LVNV Funding LLC. I have listed the Violation in the following Statement below : * I sent LVNV Funding LLC an Affidavit ( Statement Of Facts ) to Validate this XXXX XXXX  debt they say I owe. LVNV never responded to my Affidavit and I have attached the affidavit for your viewing. They sold are assigned my debt to another Collection Company. This transferring of unverifiable debt to another collection agency without validating the debt is a violation XXXX My 2nd issues is if LVNV Funding LLC who is reporting this debt on my credit report. Plus claiming they own the right to this debt. So, why are they refusing to validate this debt?

* 3rd issues is that I received a letter from XXXX XXXX XXXX trying to collect on the Same debt LVNV Funding Services LLC refused to Validate. XXXX XXXX XXXX is also claiming in their letter that they are collecting the debt for LVNV Funding LLC, but LVNV Funding LLC refused to Validate the Affidavit of dispute of the debt I sent them. 

If LVNV Funding LLC can not Validate the debt. How can XXXX XXXX XXXX Validate the Debt? These Collections Companies that are using these illegal tactics of not validating a debt then transferring the debt to another collection company that is a violation of the FDCPA. 

Why, didn't LVNV Funding LLC Notify XXXX XXXX XXXX that I XXXX XXXX requested the validation of the debt before transferring the debt? The FDCPA requires a cease of all collection activity until the debt is validated. But LVNV Funding and XXXX XXXX XXXX are trying to manipulate the FDCPA. By LVNV Funding LLC. transferring the debt to XXXX XXXX XXXX but, having XXXX XXXX XXXX collect the debt for LVNV Funding LLC without validating the debt. These are Major FDCPA Violations. 

Please investigate these illegal tactics and violations these 2 collection agencies are involved in. 

Thank you for all your help.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

In XXXX, I attempted two ATM withdrawals at a XXXX XXXX XXXXXXXX ATM. The two transactions, in the total amount of {$2000.00}, were unsuccessful and did not dispense any cash. I contacted my card issuer, Citibank, in relation to this, and they indicated that they received documents proving the transactions were valid and denied my claim. I have repeatedly asked Citibank to provide the documents they relied upon when making this decision, and they said they were unable to do so. I have tried to reopen this dispute with Citibank multiple times, yet I was not given any chance to reassert my claim according to law. Citibank violated Regulation E of the Electronic Funds Transfer Act due to the fact that 1 ) they did not provide documents they relied upon in making of their decision to the account holder 2 ) they did not allow the customer to meaningfully reassert their claim. This violation of the law has caused me significant financial loss.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I have been a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX and XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (NY)

I have called and spoke with enhanced Recovery company several times regarding a XXXX bill that they have in collections for me. I have explained to them i was not in contract with XXXX and i was on a family plan with XXXX. I took 3 XXXX on lease with XXXX and i already made full payments on these phones but my bills were still showing high amount. When i looked into my account, i realized the phones had a lease fee on them every month. I called XXXX  and asked why there was a lease on my phones when i already made payments in full for all my phones. I was told by XXXX after i already purchased the phones i would still be paying to lease it. I disagree with XXXX because why would i purchase a phone that pay a leasing fee to use it. it does not make sense so i paid my last bill to XXXX in full and cancel my services but i kept the phones since i already paid for the phones in full. I was then sent to collections. I spoke to enhanced recovery and explain this to them but they refused to take off this account off my credit report. I need your help in getting this off my credit since i've been harrassed and threatened by enhanced recovery that my credit would be damaged beyond repair if i refused to pay them.