davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

I was contacted by a Debt collector company Conserve to my personal phone number twice today on XX/XX/22 on some issue my father is currently trying to resolve. The collector would not give me any information on dates of letters sent out or how many attempts just that they had done it " many times ''. My father does not speak English and this collector does not speak XXXX. I asked her to not call again and as a result and I told her one of the accountants of my father was probably handling that information but I did not have a contact because I do not work for him. She then demanded for me to provide a number for the accountant and act as a translator even though I am not responsible for this nor do I work for my father or her company. I told her I would try to make the accountant aware of the situation although I made no promises because it is not my job to do her job. She also refused to send my fathers business an additional letter for filing purposes and told me that they already had many times but they had 2 addresses on file and she refused and kept demanding I get my father on the line. She kept telling me they were trying to avoid extreme ramifications like forceful debt collect by vague implication a couple of times during the call but not vague enough by making sure to inform me that they " have his social security on file '' as part of that threat, I told her that it was unnecessary to mention that because obviously to go through this a social security number was provided when the loan was made that's how loans work. I am also an individual on the XXXX XXXX so I don't understand what she was trying to do with all her threats and mean tone that she probably got as a result of my monotone voice and telling her that some things don't make sense to me. I told her I am not responsible for anything relating to this part of her job and to not call again.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I'm having a problem removing a collections account from my credit because of Portfolio Recovery Associates , LLC. They are refusing to remove the negative account and have made several attempts to collect on a debt in which they purchased from XXXX XXXX, whom purchased the debt from XXXX ( I believe ). From my own research of the XXXX XXXX XXXX report, Portfolio Recovery Associates , LLC isn't registered in my State to even collect a debt, but yet that company continues to reach out for payment. 

Also, I NEVER APPLIED NOR USED ANY CREDIT CARD FROM XXXX!!!!! Any of the few purchases I made via that app, the funds were direct deposited from my checking account every single transaction.
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (TN)

This was a 90 days same as cash. When this account was open they double charged me and when i made a payment on time before the 90 days were up they still charged me the full amount. I have tried to communicate with them but customer service refuse to listen to what i have to say. This was a big mess and the result is that they have put this on my credit report. 
Also...

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 a account without my written instructions
Consumer complaint received 2023-03-27
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. (MO)

This is a follow up CFPB Complaint to the previous Complaints I submitted requesting that the Credit Bureaus correct the information being reported on my Credit File. I am writing to dispute the accuracy of some of the information on my credit report, which I received from your bureau. I recently reviewed my credit report from other credit bureaus and noticed that there are accounts on my credit report that are being reported differently. Specifically, the following accounts are showing discrepancies : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}. I am confident that the information being reported by Credit Bureau are inaccurate. I have always made timely payments on all accounts, and I have never missed a payment. Therefore, I request that you update my credit report with the correct information. As per the Fair Credit Reporting Act, reporting of account information must be accurate, or the information must be updated. I ask that you review my account information and make the necessary corrections within the required timeframe.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2022-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

Hello XXXX, I was a customer of XXXX for numbers XXXX and XXXX from XXXX till XXXX and I moved cellular providers to XXXX XXXX on XX/XX/XXXX for which I have an email from both XXXX confirming my new XXXX and an email from XXXX confirming that my plan was cancelled. 

XXXX repeatedly charged me from XXXX to XXXX for an amount of {$600.00} when i was not using their services. I have had multiple phone calls with XXXX and a case logged where they told me the issue would be resolved. 

The next thing i received is a collection bill from XXXX which is now reported to a collection agency and has already hit my credit report as a delinquency. I am in the process of buying a house and this is now impacting my ability to be a homeowner. 

I am attaching as evidence an email from XXXX dated XXXX XX/XX/XXXX that shows in the body of the email in Bold letters : XXXX Confirmation : Plan Cancelled
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (TX)

I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA. 

The fraudulent accounts are XXXXXXXX XXXX {$14000.00}, XXXXXXXX XXXX {$1100.00}, XXXXXXXX XXXX {$440.00}, XXXX XXXX {$1300.00}, XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. 

Fraudulent Inquiries : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX made {$14000.00} check deposit at WF ATM. The ATM recorded amount as {$1400.00} instead of {$14000.00} but I didnt see therrror and approved incorrect amount. I went into the bank and explained the mistake. They told me to report it over phone to department managing ATMs. Which I did at that time. 

XX/XX/XXXX Received email stating {$1400.00} was credited BUT {$12000.00} would be divided & credited {$5300.00} on XX/XX/XXXX and balance {$8400.00} ( incorrect amount! Correct balance {$7300.00} ) on XX/XX/XXXX. 

XX/XX/XXXX acct credited {$5300.00} XX/XX/XXXX - XXXX acct credited {$7300.00} XXXX is XXXX has altered my acct to show the full {$12000.00} was credited to me on XX/XX/XXXX. That is NOT TRUE. Both me and my husband check our checking balance daily and the {$14000.00} was to pay cc off. I had to wait until XXXX to pay them b/c the money was being withheld by WF. I know the $ XXXX was deducted from bank check came from b/c it is my XXXX acct XXXX Therefore WF had my {$12000.00} and held funds until XXXX and XXXX- they used got interest in my money for those days while I had to wait to have my money. BUT THEN THEY WENT INTO MY ACCT STATEMENT TO REFLECT ONE TIME CREDIT OF {$1400.00} and {$12000.00} ON YHE DAY OF MY IRIGINAL DEPOSIT. That did not happen. That is fraud on their part. I have tried to get some sort of response from them all I got was a banker at XXXX XXXX TX branch told me they can do that. No they cant. They cant use my money while keeping it from me and then turn around and make it look like they didnt,
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (IN)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-06-10
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX, XXXX XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

Our local XXXX chain of grocery stores regularly offers Visa and XXXX gift card promotional offers. During these promotions, I regularly buy large quantities of these gift cards to accrue rewards, and spend the gift cards for routine business activity. All of these gift cards are issued and serviced by U.S. Bank. 

Anywhere from XXXX XXXX XXXX XXXX of all of the gift cards I purchase are compromised and locked immediately on purchase. The only avenue US Bank offers to unlock, and replace the cards ( by sending me a new one in the mail ), is to call an overseas support line. This support line is regularly so backed up that the call disconnects and the automated system advises me to call back at a later time. The times that the call does go through, I'm on hold for half an hour, and spend another XXXX minutes resolving the compromised card. 

The issue at hand, is that the policy of the customer service representatives is they will only replace one single gift card per phone call. Due to the amount of cards I purchase ( and the sheer quantity of compromised cards I am sold ), and the impossibility of ever getting through, the policy US Bank has in place actually makes it impossible for me to ever get these cards replaced. There is simply not enough hours in the day, even if I did not work nor sleep, to replace these cards one by one over the course of a XXXX minute phone call. US Bank has provided no other avenue or recourse for me to have these cards replaced and by doing so is holding my money hostage. They have made it impossible for me to replace the cards.
Consumer complaint received 2022-06-17
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. (GA)

Creditor Name : XXXX Account # : XXXX Date opened ( XX/XX/18 ) 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additionalclarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty daysbefore the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-06-17
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. (AR)

On XXXX, I checked my credit report and noticed inaccurate information reporting, so I wrote dispute letters to XXXX, Experian and XXXX explaining the inaccuracies of the accounts reporting. They sent me letters stating the accounts were verified. I asked them to send me proof of them being verified or remove them because they were reporting differently between all 3 bureaus and they have failed to do so. I've been disputing for 6 months with no results, so I've decided to file this complaint. Because of the inaccurate reporting of these negative accounts, I have been denied credit and it has prevented me from moving into a new house. I would like you all to please investigate this matter. The following accounts that are reporting inaccurately on my XXXX report is : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX previous XXXX account that was removed and then reinserted later on XXXX ), XXXX, and XXXX XXXX XXXX  The following accounts that are reporting inaccurately on my Experian report are : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inaccurate accounts reporting on my XXXX report are XXXX XXXX, XXXX ( both showing as installment accounts when they aren't )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (OK)

This Citibank, which is under CBNA account I guess belongs to Best Buy. I called them XXXX XXXX times to let them know that I am a victim of identity theft I did not open this account. I was told by someone in the hardship department that even though I did not open this account that I needed to go on a payment plan for {$43.00} a month so my credit score will not drop. I just check as of XXXX 2024 that my score has dropped XXXX points because of them again for an account I did not open I have provided XXXX report my new address written statement and a police report and they still will not delete this from my credit this is unfair that I have to pay for something that I did not open.
Consumer complaint received 2023-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TICE ASSOCIATES INC (GA)

I have XXXX XXXX the University XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX placed a collection for {$1000.00}. with Tice Associates INC. I had a three-way call with XXXX from XXXX XXXX XXXX XXXX and XXXX from XXXX XXXX XXXX XX/XX/XXXX. Per that called it was found that XXXX XXXX did not process the claim as an out of Network claim. XXXX XXXX stated that they had requested medical records for the date of service XX/XX/XXXX, however, since XXXX XXXX XXXX is not in Network, they will reprocess the claim and made it clear that my obligation to pay since it is out of network is {$200.00}. However, XXXX stated that her manager XXXX stated that the {$1000.00} has to remain on my credit report as an collection until XXXX XXXX pays the claim. This is a clear violation since I do not owe XXXX XXXXand the claim is being reprocess for payment. XXXX XXXX also provide XXXX with a provider # XXXX for the call.
Consumer complaint received 2024-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

XX/XX/year> reached out to Nelnet via phone to check on status of refund for payments made under the XXXX XXXX XXXX XXXX. Rep stated my refund had been sent over to processing but they could not tell me how much the refund was for. 

XXXX Reached out to Student Aid Ombudsman with the DOE and did not receive a status either. 

XX/XX/year> - Send follow-up email to DOE Ombudsman checking on status of Nelnet 's refund claim. No communication or response. 

XXXX Called Nelnet again. Got rep named XXXX on the line. She confirmed that my refund HAD NOT processed and there was not information at all about a refund. Nor could she provide an approximate time line. She also could not provide information as to why I was lied to by the other representative back in XXXX. I emailed this to the DOE Ombudsman as well, still have no received communication or status update.

The payments have been lost over time due to the age of the loan. But my refund should be approximately in the range of {$4000.00} to {$6000.00}. It is unacceptable that a loan servicer straight lies to a customer to get them off the phone line and never follows through with any communication or information. This is causing myself and family a lot of financial and emotional hardship.
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ATG Credit, LLC (IL)

I have file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law.. 

pleas help me by assisting with making them comply and and remove the items off my credit report..
Consumer complaint received 2022-06-17
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. (MD)

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but XXXX and Transunion has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-06-17
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. (NY)

In accordance with the Fair Credit Reporting act XXXX, DEPT OF ED / XXXX account # XXXX balance of {$1000.00} DEPT OF ED / XXXX account # XXXX balance of {$2300.00} DEPT OF ED / XXXX account # XXXX balance of {$5100.00} XXXX XXXX XXXX XXXX. 
account # XXXX balance of {$3600.00}. These have violated my rights. 

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 a account without my written instructions.