davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I never asked Experian, XXXX or XXXX to place a fraud alert or extended fraud alert. Im not sure why they are taking it upon themselves to put an alert on my credit file. I recently purchased a credit lock and unlock protection plan. There is no need for any type of fraud alerts or alerts to be added to my credit file. These alerts were added without my consent and I want them removed immediately. According to the Fair Credit Reporting Act, I have to request to have alerts added and I did request and alerts were added with my consent.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (VT)

I've asked repeatedly to close this account, once and XXXX then in XXXX, they failed to do so even after my last complaint to CFPB. This has affected my credit, and at this time I'm requesting that they remove the last late notation from my credit report as this should've been closed
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (MI)

Discover filed a 1099c for the debt, and it has been settled with my 2020 Tax Return. Discover should either remove the debt off the report, report the balance as XXXX. 

Theyre still reporting negative remarks on report.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

On XX/XX/2020 a collection reported on my credit report. 
A Letter sent was sent me, XXXX XXXX XXXX added a derogatory mark on my credit report. Per XX/XX/XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written from of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2023-01-19
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. (KS)

Bureau is illegally reporting inaccurate information in violation of the law 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; if the original debt XXXX/ XXXX  account was indeed mine it would be illegal for you to report it unless you received written consent from me the consumer. Which you did not.

the original debt XXXX/XXXX  account is listed as charged off {$920.00} on my consumer report meaning said company would have received a tax credit for the balance charged off and sent out a form indicating it would be counted towards my personal income. ie ( debt paid in full ) for this debt to then be sold to XXXX XXXX  as a debt unpaid is both fraud and illegaXXXX XXXX XXXX lists the debt amount as {$1000.00} again reporting a debt that is not mine with inaccurate amounts is both fraud no consent again from me the consumer is identity theft!

15 U.S. Code 1681c A 4 states- ( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. these are just the first 3-4 violations that have come up not including the invalid debt amount and the unverified information the bureau and collection agency have reported
Consumer complaint received 2023-01-19
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. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH XXXX, XXXX FOR ( {$2300.00} ) ISN'T MINE. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Amex was offering a XXXX bonus points promo for spending {$4000.00} within the first XXXX months of having the AMEX gold card. I opened the card in early XXXX and met the spend limit by the end of XXXX. The points were supposed to be credited after meeting the spend. I never received them. I have contacted AMEX a XXXX XXXX times. Each time they say they're investigating, and tell me the investigation will take another XXXX weeks. They have told me there is a need for a new investigation every time I have contacted them and have continued the pattern for almost XXXX months. They have confirmed I should have received the points, but each time they tell me I will get them in XXXX weeks. I check back after XXXX weeks and they say " we don't know why you didn't get the points, we need to conduct an investigation that will take another XXXX weeks ''. This has occurred XXXX separate times now.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-01
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-10-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XX/XX/2017 a collection was reported on my account Letter sent to me, PortFolio recovery added a derogatory mark on my credit report Per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, PortFolio Recovery has violated my rights as a consumer and I am requestion legal action to remove this account immediately.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bliksum, LLC (CA)

XX/XX/XXXX I took a loan out with LOANME, XXXX amount for {$2500.00} and in XX/XX/XXXX I went on a XXXX leave from my job. I was unable to continue paying my loan. LOANME sold my loan to someone els. I have since paid off my loan to one of the other companies that brought the loan for {$2600.00} in XX/XX/XXXX. 
LOANME is still reporting to credit company that my loan is Nigitive and refuse to acknowledge in my credit report, are to the credit bureau that it has been settle and paid.
Consumer complaint received 2023-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. 

Mohela is denying my application because the authorized official is not authorized to certify employment. However, my application was signed by HRIS Specialist, who is authorized to certify my employment dates.
Consumer complaint received 2023-01-19
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. (VA)

My mortgage is showing up twice on my Equifax Credit Report. I have tried submitting several disputes and they just return a decision stating that it is correct. The mortgage loan is clearly duplicating with the same loan number, same balance and same monthly mortgage payment twice. I clearly do not have two mortgages with the exact same information. This has greatly hindered my credit score and my ability to obtain financing as my XXXX is calculating significantly higher due to such a large loan being duplicated.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (VA)

On or about XX/XX/2022, I received a call from an Avant representative regarding my late payment from XX/XX/2022. I explained to her that I had been very sick and was still sick in bed. The representative was nice and she offered to waive my late fee since I was sick, which I thought was very nice of her. The representative stated that when I was able to call back in a couple of days, the fee would be waived. 

I called back in a couple of days to make my payment and requested the late fee to be removed as the representative stated would be done. Instead of doing a credit while I was on the phone, they put in a request, which I received an email a couple of days later stating that the request was denied. I called back to inquire as to what was going on and no one seemed to have the basic comprehension or basic understanding of banking principles, that they were obligated to uphold what was offered by the representative to the customer. 

The misrepresentation from the Avant customer service team appears to be very unprofessional and highlights that they are untrained in basic consumer affairs regulations and principles as well. 

It is against basic banking principles and consumer affairs regulations, to misrepresent offers and or services to the customer. 

This has gone back and forth with them for a month and they were also warned and informed not to report the account 30 days late to the credit bureaus, since it is under dispute, which they did, in violation of the FDCPA and other regulations. ( Which again, they appear to not have any understanding of ) I have recently called to close the account and notified them that I will be handing the matter over to legal counsel to review my credit report for reporting violations and banking ethics violations. 

I will ask counsel to file suit in the XXXX of Virginia, asking for damages and remedy for the above banking and consumer affairs ethics violations. I will be seeking the maximum {$5000.00} in civil court damages as well as being responsible for all legal fees. 

This started out as a very simple late fee issue and has been turned into a mess by your associate company Avant. To me or any other customer, removing the late fee as offered and promised by their fellow employee, is and was just the point of the matter. 

In an email that they sent to me, someone tried to gloss over the fact of upholding the representative 's offer and promise, with gibberish from the basic cardholder terms, further insulting my intelligence, because the basic cardholder terms, had nothing to do with the offer and promise by the representative. 

They mentioned XXXX in a response to me, which again was written by someone who failed to address the correct facts of the matter and which only made you a party to this complaint.
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

I am writing to request a review of the situation involving my PayPal account. I had my account unexpectedly and permanently blocked. I had responded to all the required information by PayPal and followed all of their rules and regulations as I had agreed to when I signed up. Despite this, they have frozen my funds for 180 days and canceled my account. I am familiar with the importance of timely reviews to maintain PayPal 's status as a secure platform for customers and merchants. I have done nothing wrong and have not engaged in unethical behavior. I am a website designer and use PayPal to collect payments from clients for the work I do on their websites. I would appreciate if PayPal did another investigation and restored access to my account. My PayPal address is XXXX.
Consumer complaint received 2023-01-19
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : My only address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ga XXXX remove all other address attached
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (TX)

I was with XXXX XXXX XXXX at my old house. I did not transfer them to my new house. I tried several times to talk with someone there. When I finally did talk to someone I was told because I had them for over 6 months that I was an XXXX customer. I stayed with XXXX at my new address. I was in contact with XXXX XXXX at XXXX XXXX through email where he told me that the cancellation or move fee was not waivered however since I was still with XXXX he would waive them and that he just needed to have my new address. I gave him that, and never heard anything else about it. I then get a collection letter from Hillcrest Davidson. I called and XXXX with XXXX who told me that I would need to provide him with proof that I did not owe the debit. I sent him the email, and I also called them to make sure they got the information. XXXX was rude from the beginning of the call. I tried to explain to him the situation and that it was already taken care of. I asked him to get in contact with the company ( XXXX XXXX  ) to verify, and to please mark this as disputed until that is taken care of. He told me not to tell him how to do his job. I asked to speak with a supervisor because the conversation was not going well. He hung up on me. I called back and he gave me to XXXX. This man was not any better, and when I told him I didn't want to talk to XXXX, and that I needed this to be handled. He told me that XXXX is my rep and I will be talking to him about this. I have emailed XXXX as well again to find out why this went to collections. I do not owe this bill, and I am still with XXXX.
Consumer complaint received 2023-01-19
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. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CMI Group, Inc. (CA)

I have received multiple calls from Credit Management collection agency before XXXX. When they call they immediately ask for my address which I refused to verify at first because they didnt even give a company name. I informed them at that time to mail me whatever they were calling about because I wasnt comfortable randomly verifying my information over the phone. I saw them on my credit report and contact them immediately to inform them that I did not owe anything to the original creditor XXXX. I also provided them with proof and disputed with the credit bureaus and it was removed. Im still getting calls, even this morning at XXXX. I asked to speak with a supervisor and was placed on a silent hold at XXXX until I finally hung up at XXXX. I called back and asked to speak with a supervisor and was told they were on calls. I tried explaining to the representative that answered what was going on and they became very rude saying We can call as early as XXXX. I informed the representative that it was a violation and calls could not be made until XXXX of the time zone the debtor is in and that I myself had been a collections supervisor and that Im pretty sure that law had not changed but I was hung up on. Im exhausted with the harassment from this company. I have yet to receive any correspondence from them as I requested of them to have for my records.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (CA)

I started receiving checks from Wells Fargo a couple of years ago the were addressed to my ex wife and I because of money the courts said they had to pay us back in the class action lawsuit. I called the number and asked them to split which they did. They mailed a check in half the amount to my ex wife and the other half to me. I had to call every time I received a check because it was made out to us both. I then received a check over {$1000.00}. When I called they said because of the dollar amount they couldnt split. I asked what could be done and they said wait a few years and it would go into unclaimed property. I do not deal with my ex wife for reasons I wont go into. Is there a way to get my half of money owed to me?