davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

I had a XXXX phone and my service was spotty. I had dropped calls everyday. So, I went to the XXXX Store in XXXX XXXX, TX to see if I could get out of my contract. I was directed to call XXXX headquarters at the store. I was on hold for 18 minutes and they disconnected me. I compalined to the store manager and he said he would close out my account which he did. XXXX never sent me any bills to close out my account until I got a collections notice from XXXX XXXX XXXX. I never got written notice of my debt from XXXX. The store manager turned off our account and did not give me any information or charges for cancelling my account. This is unethical and bad business practice. I dispute all these charges as invalid and want these charges dropped from my account. The store manager at XXXX failed to execute his duty to inform. He just canceled the account and said everything was good. XXXX never notified me of any charges.
Consumer complaint received 2022-11-18
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct these immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (OH)

To whom it may cocern went to threw XXXX XXXX XXXX to purchase a living room set it was 2 pieces fianced at {$160.00} a month for a 1yr the company name as follows.XXXX XXXX. this company charged me XXXX for my first payment to my debit card. Price {$160.00} cent the company was contacted by myself the fianc instatatution charged me a total ov {$990.00} on contract for 2 pieces ov used furniture I was told to first down payment ov {$27.00} for the furniture to be delivered I paid as agreed {$27.00} the first payment was exactly {$160.00} the fianc company was informed me the 1st payment was {$160.00} the company took a total ov {$320.00} on the first payment the company explained the amount went to another buyers contract this company blocked me from all cummcations to them I was very irriatated about being charged for someone elses contract I explained to the company XXXX XXXX XXXX  I needed a refund for the full amount ov {$320.00} because the company breached the contract explained that XXXX XXXX took the the funds to pay anothers contract holders agreement.Now this was removed from my Credit Beuarus back in XXXX dew to the company not being able to provide documents to verify my personal info dew to this error another 4 party colllection agency has put this on my 3 credit files XXXX XXXX also XXXX I would like for this to be verified by Name SSN or identification DL that this account actually belongs to me if the collection agency or the credit 3major Credit Beuarus cant verfiy with anything butt my date ov birth I would like a full restoration to my 3 credit beraues as far my credit file and score to be updated correctly I would like to challenge this issue with this 4 party collection agency because ov past errors ov this being sold to another collection agency when it already has been removed because this collection agency has no accurate info iv called this collection agency to give me detailed info to me the suppose to be account holder the FCRA explains in XXXX XXXX XXXX that explains that collection on any dollar amount over {$100.00} 0 and over needs to have been court ordered on the civil process the FRCA explains that any and every amount over a {$1000.00} needs to be heard by a Civil COURT if the collection can not provide written documentation from the county the action was addressed in.It can be removed to the fair credit act act since XX/XX/XXXX I would like this updated and inaccurtess removed and also challenged also the XXXX XXXX XXXX  charged me {$260.00} the company refused to return the products it has fell apart and at the dump site no way ov returning the company tryed to scam me out ov {$260.00} to return the product told the customer service team I didnt have no money to pay this company to return the product and the company refused to return it to the location deliverd from Thanks
Consumer complaint received 2022-09-22
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. (MI)

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. 

According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX XXXX XXXX Acct # XXXX XXXX Cred Account : XXXX
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MI)

Experian improperly charged me {$24.00} for one month with the promise of charging each month for their stupid Premium membership. I was charged on XX/XX/2021. 
The initial purpose of my contact with this scum, was to lift a security lock in order to open a business checking account.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In XXXX last year, XXXX XXXX  transferred our Loan Servicing to XXXX XXXX XXXX XXXX and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by XXXX XXXX on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (WI)

This account is very old and should have fallen off. this credit card was from XXXX XXXX from bank in XXXX i live in WI where the statue of limitation is 6 years.
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/XXXX - I had transferred {$1.00} via XXXX from my XXXX  XXXX XXXX account to my younger brother 's Chase account as a trial transfer. He confirmed he had received that amount. Therefore I went ahead and transferred {$1000.00} on the same day. He did confirm he had got the transfer and went to an auto repair shop to use it. 

XX/XX/XXXX - My brother contacted me that his Chase account was blocked. I am not sure of the reason, but he had came back to the states after 2 years of internship. The sudden activity may have been a red flag possibly. He found out that his account was permanently closed when he contacted Chase. He then reached out to Chase to re-open his account and was informed that they can not do that. Instead Chase said they can open a new account with them. 

XX/XX/XXXX - Chase had opened a new account for my brother. His spending in his previous account on XX/XX/XXXX and after had been reflected on his new account. However, the XXXX transfer of {$1.00} and {$1000.00} did not show on his new account. When he had contacted Chase, they had told him the transfer has bounced back to my XXXX  XXXX XXXX account. They said that this should show in few days. 

XX/XX/XXXX - I had still not received the transfer back. When my brother contacted Chase, they had told him that I should contact XXXX  XXXX XXXX to file a claim. Therefore I opened a claim with Bank XXXX XXXX. 

XX/XX/XXXX- I had got a denial of my claim. I contacted XXXX  XXXX XXXX that neither I or my brother had received this money and to re-open this claim. Every time my brother contacted Chase, they told him I should reach out to XXXX  XXXX XXXX. They mailed him his previous account statement as proof to send to XXXX  XXXX XXXX. 

XXXX and XX/XX/XXXX - I had made multiple phone calls almost every week with XXXX  XXXX XXXX. I had gotten several denials of re-opening this claim. 

XX/XX/XXXX - I had spoken to a XXXX  XXXX XXXX representative and she had told me to email any documentations that may help so they can reconsider this claim. 

XX/XX/XXXX - Again called XXXX  XXXX XXXX to see if they had re-opened my claim but they said no. I asked what I can do to get my money back they said they are not sure. 

I can provide my bank account statements, my brother 's current bank account statements, and previous bank account statements as proof to show none of us got the money.
Consumer complaint received 2022-03-09
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX account opened XX/XX/2019
Consumer complaint received 2020-09-05
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$2100.00}, {$4300.00}, {$5500.00}, {$25000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 


-- STUDENT ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am filing a complaint against Bank of America for discrimination in bank practices and violating the Fair Access to Financial Services Act. 

I have requested in writing from Bank of America the standard it uses to refund some XXXX transfer but not all XXXX transfers to its customers. Bank of America has refused to provide in writing the standard it uses to determine refunds of fraudulent transfers and why it has declined my fraudulent XXXX transfer but has refunded others.. 

While Bank of America has declined to return my fraudulent XXXX transfer from my credit card account while stating it was because it does not refund them as I okayed the transfer, please find below just two of many examples where Bank of America clearly returned fraudulent funds under the same circumstance as mine. Banking regulations are to not discriminate against customers. 

Story clearly detailingcustomer named XXXX XXXX of XXXX XXXX receiving {$3500.00} back from a fraudulent XXXX transfer. Please explain in writing how this transaction differs from mine and why this customer received a refund. She is the one who okayed the transfer, but like my case. Banking regulations are to be applied equally to all customers. If banking regulations are not to applied equally to all customers, please explain the standard for the discrimination. 

https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, someone % XXXX % XXXX % XXXX % XXXX. 

New article from XXXX XXXX XXXXXXXX about XXXX XXXX 's case. After the XXXX XXXX XXXX contacted Bank of America for an interview, they returned his XXXX fund transfers.Again, another example of a XXXX transfer okay and sent by the customer to a fraudster but returned by Bank of America. 

https : XXXX Bank of American must have a standard in which it is using or it would not return ANY XXXX fund transfers, as it has obviously returned other customer 's fraudulent transfers and not mine. I would like Bank of America to provide in writing the standard it uses to refund some but not all XXXX transfers. It can not blanketly state it does not return XXXX funds as these two articles clearly show that they do return funds. Unless they have a standard, then it discrimination to return some customer 's funds based on something about that customer and not to return funds to a different customer based on something about that customer.
Consumer complaint received 2021-01-22
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: F.H. Cann & Associates, Inc. (LA)

Upon pulling my credit report, I noticed that The US Department of Education reported two accounts in the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my XXXX  report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My XXXX  report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX  report is inaccurate and the data doesn't have the same information as XXXX. 

-On the Department of Edu website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The US Department of Education states everything was on time that year on my XXXX  report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (MD)

I received an offer for zero percent APR from XXXX XXXX XXXX XXXX Mastercard on balance transfers. I applied for the card, the balance was transferred, and I set up autopay. When I reviewed the bill I noticed that they had been charging me interest. I called and explained the situation, but they said I failed to apply a code and their was nothing they could do. They stated I would need to submit the original offer which I no longer have in order for the zero percent interest on balance transfers to apply.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Hello CFPB, I had sent in some sensitive documents for example, birth certificates all the documents that equifax, XXXX and XXXX  request to freeze minor credits. XXXX had prompt service in gave my freeze pins for my two minor children.I sent in the information around XX/XX/2021 I have not heard anything from Equifax or XXXX. When, I try to call the company I can not talk to live a person, and when I did the customer service person said they do deal with that kind of thing. Im concerned about where me and my children sensitive documents went or who has them at XXXX and Equifax.
Consumer complaint received 2022-11-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Roughly once every two weeks, a representative from PennyMac Financial Services, whom I have a HELOC with, calls and gives me a sales pitch on why I should refinance my home mortgage ( held with another company ). I've repeatedly told them to stop asking me to refinance my 3.00 % mortgage when the prime rate is currently 7.00 %, and they have failed to remove me from their calling list for over three months now.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased handbags on the net and upon receipt of items it turned it to be that all items received are counterfeit items Tried to call merchant but no answer, the website I purchased from disappeared ( XXXX XXXX ) and I can not get to the merchant and when I texted the number of the invoice I received a message stating this not a business phone no. ( copy of text attached ) I submitted a claim to Capitalone consumer protection dept. stating the problem and my claim was denied three times in the past two months and bank are not cooperating to protect me as their client. 

The bank asked me for the impossible which a letter from a third party stating that items are fake and XXXX XXXX store at the XXXX XXXX XXXX told me that they will not authenticate or issue such letter. 

The only way to find a company that does authentication and pay a few to authenticate which capital one card investigation dept. refused to cover the cost and asking me to cover the cost of authenticating the bags
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Traded in vehicle and the finance back was Wells Fargo, there is over {$300.00} left on the vehicle and they updated on XX/XX/XXXX to XXXX but the car was already traded by then and it should be showing the {$300.00} amount
Consumer complaint received 2021-08-31
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.