davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

Hi good morning, I sent money thru my PAYPAL account the last XX/XX/2019 and the recipient should've received the money the last XX/XX/2019. 

The amount is XXXX . 

My PAYPAL account says the money was sent, but the recipient hasn't received anything yet. 

My Transaction ID XXXX. 

Thanks for bringing this service, I hope a soon answer.
Consumer complaint received 2019-03-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

My payment was late about 8 days or so and I have receive repeated calls from them. On Friday, XX/XX/, 2019, I received 4 calls from HSBC Bank Credit Card. On Saturday, XX/XX/2019, I received 5 calls from HSBC. On Sunday, I have received 1 call already. But, its XXXX EST, so I expect to receive additional calls. These calls are for ONE late payment. I have already scheduled the payment online and I am still receiving harassing calls from them. This is ridiculous and absurd. I am reporting HSBCs abuse tactics because their actions rise to a level of harassment.
Consumer complaint received 2019-03-17
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 (NV)

XXXX My account was restricted without cause nor explanation. I was told that my account restricted for authorizers placed on the account. However, the cards were never given to the employees. I was asked to send copies of the ids and social security cards. I sent what was received from my contractors. Again, no one had received the cards. They continued to request ids or social security cards were not clears. I sent them several ways as requested. I asked that they cancel the cards. During this time I paid off the account since they wouldn't explain to me about the cause for of the restriction. I have a credit balance of {$4900.00}. They refuse to return my credit balance, transfer my points credit balance and close my account.
Consumer complaint received 2020-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

I called into US bank regarding a dispute I needed to file when I spoke with customer service the representative was rude and a nasty lady on the phone. After telling her I was not going to keep repeating myself since she was not listening to what I had to say I asked to speak to her manager and she hung up on me. When I called back to customer service and spoke with a manager she seemed as if she didn't give a XXXX that my legal right to dispute a transaction on my account were violated and acted very nonchalant as if it was just ok with an apology and a whatever. Just nasty trashy low class customer service. I will be filing a complaint with the A.G. 's office and every other regulating agency over this type of illegal banking practices.
Consumer complaint received 2019-03-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southern Auto Finance Co (FL)

I have tried to contact this bank many times. But the letters keep coming back saying the address is incorrect. I used the exact address listed on my credit report. I tired calling but the phone number don't work. But this company keep reporting on my credit report. Saying I'm delinquent. And this was a loan from about 6 years ago. And there's no way to contact them. This needs to be removed off my report. And I need proof of this account.
Consumer complaint received 2021-02-03
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. (MN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation. 
Thank you.
Consumer complaint received 2021-02-03
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. (NC)

I paid off a car loan early, to XXXX XXXX XXXX XXXX XXXX XXXX, via an online payment ( ACH ) of {$3400.00} approximately, from my XXXX XXXX XXXX checking account on XX/XX/XXXX. Per XXXX XXXX XXXXXXXX ( XXXX XXXX they were noticed by XXXX that an online payment could not exceed {$3000.00}, so a check needed to be sent for the payoff amount. This check was sent on XX/XX/XXXX In the full amount to address and account Number given by XXXX to XXXX. On XX/XX/XXXX, XXXX returned the check to XXXX. XXXX also sent us the car title, indicating the loan was paid in full. Then, XXXX proceeded to bill us, without notice, for 2 months and late fees. We received a negative credit report from XXXX XXXX this weekend and made inquiries. We immediately paid the full balance again ( on XXXX ) via phone call with XXXX, from our XXXX checking account to AHF. XXXX accepted the payment ( now with a larger payoff amount ), removed the late fee, and refused to remove the negative reports they sent to the credit unions without proof from XXXX  of the returned payment. The original XX/XX/XXXX payment receipt and reversal is reflected on the XXXX account online for our account. XXXX worked with us this evening to call XXXX to resolve what happened and get whatever documentation XXXX needed to remove the negative credit report. XXXX refused the call, saying we would need to call another number tomorrow morning for the Customer Service department. At what point does XXXX or XXXX become responsible for fixing our falsely reported credit gap? Also, at what point, does either XXXX institution become responsible for contacting us, as both entities have our home address ( we got the title in XXXX from XXXX to our home address ), our email address ( they have on file ), or our phone number? We are so very frustrated and angry about the number of calls, the bad credit score XXXX drop Of XXXX points XXXX, and still unresolved problem.
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (OH)

I request that RADIUS GLOBAL SOLUTIONS LLC # XXXXformally substantiate account data RADIUS GLOBAL SOLUTIONS LLC conferred to the major credit bureaus for me, XXXX XXXX XXXX , with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak RADIUS GLOBAL SOLUTIONS LLC desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.
Consumer complaint received 2020-11-07
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NV)

Please reference previous CFPB complain # XXXX SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX, GA has had more than adeqate time to investigate the grossly inaccurate information which they are consistantly reporting, irregardless to it's inaccuracy monthly to all three major credit repositories an as a result has caused me injury. On XX/XX/XXXX XXXX XXXX who works in the interest of SEQUIUM ASSET SOLUTIONS , LLC informed Consumer Financial Protection Bureau that she would be responding to my complaint in 10 business days. It is now XX/XX/XXXX and no follow up has been provided nor has my credit file been corrected by the removal of this inaccuracy. 

Furthermore, shortly after filing my initial complain to the Consumer Financial Protection Bureau, I contacted XXXX XXXX and spoke to a billing specialist who confirmed that a Cable Modem was returned in my name back to XXXX XXXX back in XXXX at one of their retail stores and was curious as to why a credit was not issued to my account. 

The representative told me that they would have to investigate the error and update my previous account accordingly. Please note, that before moving out of my former residence, I was not paying any equipment fees for several years and the XXXX XXXX billing representative confirmed that with me. She said that if I owned equipment, I would be charged a monthly rental fee. 

I also provided to CFPB by way of an attachment in a previous complain " XXXX '' my final PAID bill from XXXX XXXX which I received via email prior to moving out of my former residence. 

I DO NOT OWE XXXX XXXX any money. 

I have been dealing with this issue for several months now and no remedy have been provided nor any law enforced. As a consumer who is protected under the law of the State of Nevada and Federal law. I asked that the Consumer Financial Protection Bureau act under the full power of authority to assist in the timely removal of this inaccuracy.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XX/XX/XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc (FL)

Contacted by Williams and Fudge Inc. on XX/XX/XXXX about a debt " owed '' to XXXX XXXX XXXX from XXXX. I appealed this debt with XXXX in XXXX, and have had no contact since. Debt is beyond the Statute of limitations in all 3 of : the state the debt originated in, the state I currently live, and the state in which collections agency resides. Agency 's collection practices violate timelines mandated in the FCRA.
Consumer complaint received 2019-02-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc. (NC)

On XX/XX/XXXX, XXXX XXXX XXXX  contacted my mother concerning a PayDay Loan from XXXX which I took out from Advance America. They left a message on her voice mail. She called them back. The person she spoke with proceeded to tell my mother about the debt, my failure to pay and that I was to be arrested. My mother is XXXX and terrified. I took care of the debt with XXXX XXXX XXXX XXXX yesterday. I received a call today from XXXXXXXX XXXX XXXX telling me that they had contacted my mother. The lady who called was reticent to provide the address or name. She stated the address was XXXX XXXX XXXX, XXXX GA. My case number is XXXX.
Consumer complaint received 2020-11-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (MA)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-06-02
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: SYNCHRONY FINANCIAL (CT)

These accounts don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 
Identity Theft 1. XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft SYNCB/LOW Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

5. Identity Theft SYNCB/XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2019-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit bureau is FALSELY reporting " Serious Delinquency '' on my credit report when all of my accounts are in good standing and have been so for more than seven ( 7 ) years. This term is defamation of character and this false information affects my credit worthiness and credit score.
Consumer complaint received 2019-03-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (OH)

I received a letter from Phoenix Financial Services early XX/XX/2019 with an offer to settle my {$1200.00} medical debt for a discounted {$500.00}. If I checked the box I was agreeing to the offer and this would resolve the debt along with instructions where to send a check. A week later the check was cashed and the debt was off my report. Three weeks from then my XXXX XXXX notified me that they have now reported the balance of that debt. This was not the written agreement. I have now received another letter as a false " second attempt '' stating they are offering I can pay a discounted {$300.00} of the remaining {$760.00}.
Consumer complaint received 2019-03-16
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. (MA)

I am a victim of identity theft. I have reached out to the credit bureaus on numerous occasions. I've called, mailed in certified mailed and opted out as well and nothing has been done. I've been contacting them for over 3 months and nothing has been done. I am currently in the process of filing a lawsuit against XXXX, Transunion and XXXX. My lawyer XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX has overseen my claims.He has done a thorough investigation pertaining to the documentation and detailed record of certified letters with the credit bureaus that I have provided and realized that the XXXX, Transunion and XXXX are in direct violations of the fair credit reporting act ( FCRA ). here are the fraudulent accounts and inquires as it pertains to each bureau XXXX  XXXX bank {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX XXXX {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX TRANSUNION XXXX XXXX {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In our pending lawsuits, we are holding the following individuals responsible for negligence .These individual will be named in the lawsuit if accounts aren't removed immedediatly. as followed : XXXX  XXXX XXXX XXXX Operations XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX fraud and identity Management XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXt XXXX XXXX ID Theft XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] '/
Consumer complaint received 2020-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

My mortgage monthly mortgage payment is {$1000.00} ; the mortgage insurance is {$65.00} ( which goes to escrow ), which brings my total monthly payment to {$1100.00}. On XX/XX/2020, I made a check payment of {$1100.00} to Citizen 's One Home Loans, indicating the payment was for the XXXX Mortgage, Interest, and PMI. This payment was made using the XXXX bill stub, sent in the envelope. Citizen 's One Home Loans applied this amount to additional principal instead of My XXXX payment. I advised Citizens One they are no longer responsible to pay my property taxes, therefore I am not sending them any money toward my property taxes. Citizen 's One is deducting {$360.00} out of my monthly payment and placed into the escrow account. The only amount that should be going into the escrow account every month is {$65.00} ( PMI ). The rest should go to the mortgage principal, interest, and additional principal. Any amount in excess of {$1100.00} should go to additional principal. 

Please Help.