davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
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: PENTAGON FEDERAL CREDIT UNION (CA)

I have tried calling and disputing numerous times on an account that was open fraudulently in my name, as I was the victim of identity theft in 2016. 
Its been 5 years and it still has not been taken off my credit report, even though the company themselves acknowledged that it was fraudulent & closed the account. I have a statement from them for proof and I have submitted it to the credit bureaus to get it taken off my credit report. It is the only thing that is negative on my account, as I am always making my payments on time. I would like this resolved, please. Every time I call, I get the runaround and nobody has any answers for me. They have stated to wait 90 days but it still stays on there. I dont know what else I need to do to have it removed. Its so unfair.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

FTC theft report was sent. Ignored. 

I requested verification that I opened the debt, through a signed document or credit card receipt. XXXX  response was : " XX/XX/2019. As this application was submitted online, <b>there is no signed application to provide to you</b>. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. '' Your response states that the only proof you have is that someone used my information to open an account in my name. You also state that you do not actually have a signed application by me. 

Without a signed application or credit card receipt you do not have verification that I opened the account or that I spent money on the account ... other than circumstantial evidence ... but not actual evidence. XXXX  " evidence '' would not be permitted in a court of law, and should not be accepted as verification of the debt by anyone. 

Despite discovers investigation findings, without the proof that I requested, you can not actually verify the debt, because you do not have proof that i opened the account. 

Not only was I a victim of identity theft and fraud when the account was opened, but discover continuing to verify the debt to the credit bureaus, after receiving a ftc theft report, and after stating that they dont actually have proof that I opened the account is fraud against me and the credit bureaus. 

Please cease and desist all collection attempt of this debt from me, including but not limited to credit reporting. 

I have attempted to reach XXXX XXXX with discovers executive office repeatedly concerning this matter but he refuses to return my phone calls. 

I live and have lived in XXXX, Tx and not the address XXXX has as mine. My credit report shows XXXX area as my residence as a result of identity theft. Attached is a photo of my address from the state of texas.
Consumer complaint received 2022-02-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This issue s regarding FICO! The XXXX XXXX XXXX is reporting a lower credit scores than deserved for my credit criteria. Advantage credit scores are normally lower than FICO. FICO is reporting lower scores that the Advantage system. I addressed problems with them directly for all three credit bureaus Transunion, XXXX, XXXX  XXXX. I have zero late payments on my account history. I have only XXXX collection account on each bureau which needs to be removed and corrected. I have hired XXXX attorneys, XXXX Credit repair companies, send documentation and contacted you several times about my credit profile reporting wrong info and lower credit scores because of this. I was so upset I called them a credit XXXX. Because of the blatant disrespectfulness in ignoring the attorneys, lying to the CFPB, and utter disregard for timely handling the account with great digression within 30 days allowed based of the Fair Credit Reporting act. They refusal to be cooperative with removing and correcting errors and no disregard for how there actions have impacted me personally. I want this infringement corrected immediately.
Consumer complaint received 2021-11-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America and XXXX XXXX have withheld information that allows me to sell my property. They have demonstrated predatory practices and should be held accountable to the fullest extent of the law. Although I have made several calls to Bank of America, they have intentionally withheld information about the sale of my mortgage to XXXX XXXX. In addition, XXXX XXXX has delayed and continues to withhold information from me and the title company stating they can not share information over the phone. Furthermore, they require me to pay for documentation or receive it via mail, intentionally delaying sale my property.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (MD)

I took a contract through XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After completing the test the cards were removed from my account. 
Google pay asked for verification of the cards used but since not mine I responded with my driver 's license and explained the issue Was told that my account was suspended until the chargebacks were removed. ( Which seems incorrect because what happened amounts to a scan ) I tried to contact the developer but my previous contain was removed by XXXX. 

After completing the contract the developer was banned for shady business practices by XXXX. XXXX is not willing to help since they banned the company. 
The developer also did chargebacks on the purchases done in their app ( I didn't receive the purchases, it was done while logged into their account and then I was logged out ) I have asked to Google pay to removed the suspension and for a supervisor and both times have been denied. I am instead given the cookie cutter reasons that I need to provide verification and that I need to remove the chargebacks
Consumer complaint received 2022-12-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

I had a yearly check-up with XXXX XXXX in XXXX XXXX XXXX as a self-payiing patient. I paid for services in advance- else this doctor will not see you. The services rendered were terrible, and she told me 4 times to go and see someone else for whatever I asked her, and she finally sent me off with 4 referrals. For a yearly check-up it was enfuriating that she only looked at the results of my XXXX which I had taken in advance to discuss results. To my great surprise, I get a {$95.00} add-on bill, for her services .... really? I called the office and spoke to the office manager after several attempts to talk to billing about " this mistake ''. I even expected a refund of the {$120.00} plus that I had already paid upfront, since I did not leave feeling that this doctor had even looked at me. Why do a physical, if you are not even looking at the patient???? In any case - the response has been to send the additional {$95.00} to collections. Is this a patience game? I refuse to pay someone more money who was insolent, did not answer any of my questions about my medical concerns, and made me wait for almost one hour in an office, and then had not even checked my medical records before walking in to talk to me. Waste of time - never going back.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the
Consumer complaint received 2023-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have received continued calls from Portfolio Recovery - 1 call on a daily basis and calling from XXXX numbers and local spoofing using my area code XXXX numbers. I have advised previously to stop all calls and I currently have no open collection account from them.
Consumer complaint received 2021-04-01
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: CITIBANK, N.A. (GA)

This company is very abusive. They will not try to take a {$20.00} payment when they know you have XXXX and have suffered and lost family members during the pandemic. 
Will not try to settle wants full amount but want big payments.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBK, Inc. (KS)

I have been receiving repeated calls and letters from Collection Bureau of Kansas beginning on XX/XX/XXXX. The agent tells me I owe money to the city of XXXX, Kansas, and requests personal information in exchange for the details. I called the city of XXXX, Kansas myself on XX/XX/XXXX at XXXX at ( XXXX ) XXXX, then ( XXXX ) XXXX and was told I have no debts with them under my current name, maiden name, or alias, and they stated there is no debt under the name of my brother, who's name is similar to mine. I called CBK back on XX/XX/XXXX at XXXX and notified the agent of what the city of XXXX, Kansas told me. I am unable to find the first letter sent from CBK, but the second letter is dated XX/XX/XXXX. It is addressed to a name that is a composite of my and my brother 's name. I haven't lived at the that mailing address since at least XXXX and my last name changed by marriage in at least XXXX. I have blocked the phone numbers calling after stating I have no debts with the city of XXXX, Kansas. CBK calls from a new number after noticing they've been blocked. Log of phone calls is below : ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX Many of the recent calls have nine-10 second long empty voicemails.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX  XXXX XXXX Account report # XXXXhas violated my rights 15 U.S.C 1681 section 602 A.States i have the right to privacy Today card XXXX has violated my rights 15 U.S.C 1681 section 602 A.States i have the right to privacy
Consumer complaint received 2021-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2023-03-10
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This complaint is regarding Capital One credit card XXXX XXXX XXXX, XXXX XXXXXXXX An XXXX XXXX  was purchased from XXXX  on XX/XX/2021 for {$180.00} The watch could not be paired with an XXXX and required an XXXX XXXX to function ( was not clearly stated by the manufactuer ). XXXX via XXXX courier and receipt of the returned item was confirmed by XXXX but refiund was not issued without explanation. Subsequently I have sought Capital One card member service to initiate a dispute case ( Case Number : XXXX ) On XX/XX/2021 Cpaital One credit card has notified me that they could not assist with the dispute stating that the merchant 's good
Consumer complaint received 2022-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

I had medical procedure done at the XXXX XXXX XXXX XXXX which is In XXXX XXXX covered 100 % by my medical insurance. 
Before procedure I have obtained, as required, referral from my medical group and follow all required by my insurance instructions. My insurance coverage is 100 % with no co-payment. 
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX did not follow procedure and claim was never submitted to my medical group. My medical group has no record of this claim. 
I informed both, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the collection agency ( Merchants Credit Guide Co. ) to submit properly the claim to my medical group or send me the denial note so I can follow up with them. 
For any unpaid bills, they should contact my XXXX XXXX directly. I already sent multiple times front and back of my insurance card ( XXXXXXXX XXXX XXXX XXXX  tel # XXXX ).
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NJ)

On XXXX XXXX I sent XXXX to the XXXX XXXX  via PAYPAL for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I received the XXXX 's I got the XXXX XXXX framed and once I had saved the money I was going to get the XXXX XXXX framed. Due to a XXXX XXXX I was forced to sell these XXXX 's for family expenses. When I went to sell the XXXX XXXX the buyer said the XXXX was a fraudulent a FEDERAL CRIME. We then went to the web site of the company that supplied CERTIFICATE OF AUTHENTICITY with the XXXX. You can only imagine our surprise when the website was a XXXX XXXX XXXX. I immediately contacted the seller he offered to replace the XXXX  with one from his own company, something I compared to having the fox watch the hen house. He refused to return my money. I then filed a complaint with PayPal. That was the beginning of a nightmare of lies, confusion, and twisting my words by PayPal. They continually changed the amount I requested and the reason 's I wanted my money back.They did a horrible job of protecting my interests. They first decided in my favor but they demanded the wrong amount, I was only entitled to {$550.00} they kept asking for {$1500.00}. No matter how times I told them that was the wrong amount. I then got into an argument with an unstable employee and she informed that she was going to change my favorable decision into a denial. I finally received a provisional credit for {$950.00}. Which was reversed on the grounds that I bought the jersey 's to sell them which was never the case. The point is that PAYPAL is aware that I was sold fraudulent sports memorabilia jersey which is a FEDERAL CRIME. And is now demanding that I return the {$950.00}. I have no intention of doing this cause I DID NOT BREAK THE LAW, XXXX XXXX XXXXXXXX DID WITH PAYPAL 'S KNOWLEDGE AND BLESSING. I respectfully ask that the CFPB intercede on my behalf and correct this horrific miscarriage of justice. And punish PAYPAL for being duplicitous in this CRIMINAL BEHAVIOR. I will be more then happy to supply a plethora of E-Mails between myself and PAYPAL to buttress my complaint upon request of the CFPB.
Consumer complaint received 2022-07-29
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. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-12-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Five months ago when i made my last complaint i hoped this issue would be resolved finally but it hasn't. My family and i have been going through this nightmare for about 3 years with this company and it is clear that they are only interested in a outcome that benefits them and only them. There is no way the practices can be legal and something must be done about it. They seem only interested in stealing our money and coming up with excuses why they are not going to honor these agreement. First they demanded the same documents repeatedly for almost a year to even start the re-modification process. Then once they were forced they put an agreement on the table and refused to honor it by delaying for months then saying we hadn't made the requisite payment. Then it happened a second time now its happening again. They have collected thousands with the false promise that it would be resolved after but they absolutely refuse to do what is right. When will this borderline criminal behavior be reigned in. Two years in with covid 19 running wild i could it and ended up in the hospital. I didn't know if i was going to make it so i deeded my house to my son to help my son and my family avoid a long costly probate fight. My son agreed to help honor what i thought was my dying wish, I somehow survived. Now they expect me go back to my son and reverse this with absolutely no guarantee this nightmare will end. My son has seen them make agreement after agreement that they did not honor, how is he supposed to believe this company now? XXXX is tied to Carrington and need to force them to honor this agreement.
Consumer complaint received 2023-01-26
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. (CT)

Over 15 years ago I took out a HELOC with XXXXXXXX XXXX Since then I XXXX  XXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX  XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we XXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-10
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agncies are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the files : XXXX IL XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.