davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
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: Experian Information Solutions Inc. (FL)

I have had this issue with this company before, they are reporting a public record on my credit report that is not mine and I am having to submit a complaint to get assistance with removal of this inaccurate information. XXXX XXXX is the company that they normally use to verify public record data and I currently do not have anything reporting to my account. I would like for this to be corrected and the information removed from my credit reports immediately. This is the fourth time I have had to send in a complaint to CFPB and i would like this item removed asap. 


I am a victim of ID theft and I have provided proof to the bureaus previously.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2022-03-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synovus Bank (FL)

On approximately XX/XX/XXXX a representative contacted about a balance I owed to Synovus Bank by XXXX a debt collector. I agree to a settlement to resolve the account in the amount of XXXX and asked the representative to call me back at the end of the month as I am on a fixed income and could'nt make the % XXXX payment of XXXX until the end of XXXX On XX/XX/22 I received a call from XXXX who processed the payment of XXXX and agreed to call back for the additional payment to be processed. XXXX called on XX/XX/22 and said the payment was attempted and was declined I attempted to explain that I was on a fixed income and needed the payment to be attempted after XX/XX/22 at that point XXXX became rude and was speaking over me and not allowing me to explain, he then stated that since I was unable to pay on that date that the settlement agreement would no longer be valid and that I would need to make a new one. I called back and " a supervisor '' who listened to my complaint and made no attempt to resolve anything. Based on my treatment by this company I disputed the original payment of XXXX with my bank and feel that I did nothing but attempt to resolve this account with this company, on a fixed income and during a pandemic. Who is doing that? And this is the way I am treated. I don't understand how these people are allowed to operate and why they haven't realized that you get a better result by treating people with empathy, respect and concern as opposed to hostility, threats and disrespect. As I explained to XXXX XXXX this debt is not a pressing issue for me but I was still attempting to resolve it fairly and was treated horribly because of it.
Consumer complaint received 2019-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2019-10-01
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd (TX)

On multiple occasions I have asked the debt collector to not call my phone. They have admitted to using an automatic dialer and this is the reason I continue to receive calls ( this is a violation of the TCPA as well ). I recorded them acknowledging that I have requested to not be contacted on my cell phone however they continue, when I ask to speak to a manager they are apologetic and promise it wont happen again however I still receive daily calls.
Consumer complaint received 2019-10-01
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MacDowell & Associates, Ltd. (GA)

I have received multiple phone calls and letters from an attorneys office that reports that they are acting on behalf of XXXX XXXX XXXX. The letter from XXXX XXXX XXXX/MacDowell & Associates is very threatening and intimidating as they are stating Under Georgia Law I must pay this debt within a certain amount of days and will be responsible for attorney fees and interest if not paid. This has caused a tremendous amount of stress to my ongoing health and have no knowledge of this debt.
Consumer complaint received 2022-07-04
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. (MD)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX BANK ( Opened XXXX XXXX, XXXX, Balance {$41000.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-10-12
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit reportng Agenccies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$26.00} XXXX  XXXX XXXX Balance Owed : {$5.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$710.00} XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Owed : {$85.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$79.00}
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX Account - {$740.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX 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
Consumer complaint received 2022-07-04
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)

On credit report : Item # XXXXXXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) In accordance with the FCRA XXXX  15 USC 1681 Section 602 A states have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish an account without my written instructions.

I have reported previously to the three bureaus, FTC and creditors of FRAUD on the above-mention two accounts.
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery is attempting to collect a credit card debt that they bought. They call twice a day every day and never leave a message on my answering machine. They just let the phone ring and ring and then hang up, never leaving a message. Once I picked up the phone and told them to stop calling because they never leave a message. This has been happening for many many months.
Consumer complaint received 2019-10-02
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: Experian Information Solutions Inc. (NC)

Today XX/XX/2019 I found out that someone has been opening accounts with my personal information without my permission. I found out because I was checking my credit report before going to buy a new car and I saw accounts and inquiries that do not belong to me. I never opened any of those accounts and I never gave anyone permission to open them in my name. I have already filed a police report. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit nor am I affiliated with any of those companies in any way. I do not have any written/verbal contract with any of those companies and I never allowed them to run or view my credit file.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (SC)

On XX/XX/2020 I received in the mail a US Bank Reliacard debit card. I did not apply for any type of card with US Bank. I attempted to contact US Bank through the number listed on the paperwork included with the card. I was placed on hold for an extended period of time. Since I was unable to get through to US Bank, I called the Consumer Financial Protection Bureau. I was told this was likely a scam where someone has used my information to file a fraudulent unemployment claim. I was instructed to contact my employer to inform them of the possible unemployment claim in my name, to contact my state unemployment office, to report that my ID may have been stolen to IdentityTheft.gov and to inform the 3 credit bureaus. I completed all of these steps on XX/XX/2020. As of today, XX/XX/XXXX, my employer has not seen any unemployment claims filed on my behalf. I have not received any response from the other entities.
Consumer complaint received 2019-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (CO)

On XX/XX/XXXX, my wallet was unfortunately stolen. I promptly called my creditors and had them cancel my debt cards. On XX/XX/XXXX, I received a piece of mail notifying me that a check under my identity had bounced. This came at a complete shock to me as I have never ordered checks from my bank. To be quite frank, I barley know how to write a check. On XX/XX/XXXX, I went to my local police station to file an identity theft case. The police officers advised me to call my creditors and freeze all my accounts due to the circumstances. From XX/XX/XXXX, I continuously received mail regarding NSF checks and collection notifications. I personally called each of these debt collectors and provided them with my case number. I also made a copy of each piece of mail I received and emailed that to a detective that was assigned to my case. 

A women was arrested earlier this year ( XX/XX/XXXX ) and had my licence, as well as many others, in her possession. She was put into a drug program and later missed her court date and is currently on the run. 

This women wrote approx 16 checks ( that i know of ) in my name totaling about {$3700.00}. That is not including all the added fees for the check bouncing in the first place. 

I am now in a place in my life where I am trying to buy a house with my boyfriend and its so crushing to know that something I had no part in is effecting us so greatly. I could not even get a loan for a car right now if I needed to do so and its very frustrating to be going through this at XXXX years old.
Consumer complaint received 2019-10-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

This is a debt collector, the head of the local branch of OneMain Financial. 
I have the record in my phone and can submit copies of their call log, but they are calling every hour of each work day. When I spoke with the person calling, she threated to have my vehicle seized, and began to call me a liar when I tried to tell her I lost my job due to a XXXX. 

She is VERY abusive, and they just wont quit harrassing me. 

They keep calling from XXXX
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

For nine months I have tried to resolve a payment issue with HSBC ( XXXX ) bank credit card. Of nine payments that have cleared my bank, only two have posted the credit card statement. Whenever I call customer service, they never see the depositing their accounts. Twice I  sent copies of my bank statement only to never get official confirmation as to how they would handle the issue. In the month of XXXX, 2019 HSBC ( XXXX ) closed my account. 

Regardless, my credit report has suffered, having declined more than 120 points in the last 10 months. This has caused me to 1 ) loose over {$15000.00} of credit line on various credit card accounts, 2 ) I can not obtain new credit lines, leave alone financing for my business. These are true hardships that have adverse impacts on my livelihood.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Buckles & Buckles, P.L.C. (MI)

In XX/XX/2018 I sent a certified letter to XXXX XXXX, stating my job loss, XXXX XXXX diagnosis in XX/XX/2018 and XXXX XXXX diagnosis in XX/XX/2018. My only source of income is social security. My car is worth less than {$100.00}, I owe over {$5000.00} in back taxes and am over six months behind in my mortgage. I also sent several other letters, stating that I am uncollectible for this debt and it needs to written off. Instead, XXXX Card IS THE ONLY CREDIT CARD COMPANY WHO SUED ME! I'VE BEEN HARASSED BY BUCKLES AND BUCKLES PLC, DEMANDING PAYMENT AND THREATENING WAGE GARNISHMENT, MY CAR, AND ANYTHING ELSE I OWN! 

My doctor is disgusted by this harassment of a XXXX year old female with such serious health issues. I have lost weight, can't sleep, and my XXXX flare ups are XXXX. 

I am willing to take {$5000.00} for my pain and suffering caused by Discover Card and the attorney firm. Should they refuse I will do whatever it takes, including letting the media know of this harassment of the elderly.
Consumer complaint received 2022-07-04
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (CA)

I have used my PayPal XXXX account to receive payments from my customers since XX/XX/XXXX in which I have received over {$130000.00} in payments and never had any issues with chargebacks or holds on funds with my account. Then on XX/XX/XXXX I received an email from PayPal saying that weve determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This was extremely upsetting since I never violated any of PayPals policies. After numerous attempts with different PayPal reps to get an answer on what exactly is the reason for my account being closed, one representative falsely claimed that the policy I violated was that I was promoting and or selling XXXX XXXX  which is ridiculous since my business has absolutely nothing to do with that! I requested for them to send me proof and they refused. 

At the time PayPal closed my account luckily I had a low balance of only {$33.00} in which they kept claiming that is was for damages done. They never specified what the damages were!

PayPal either made a huge mistake confusing me with a different case or they are extremely dishonest company. I would like my account to be reopened since I never violated any of their policies.
Consumer complaint received 2019-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Rhode Island Student Loan Authority (NC)

I am the co-signer for the loan taken with Rhode Island Student Loan authority. The loan owner was making payments with the loan provider. The loan owner had some life changes with job and personal life and defaulted on the loan. I didn't know the loan defaulted. RISLA hired a collections lawyer ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ) sending me collections notices and judgments letters demanding money. I spoke with them to ask them why haven't they tried to reach the loan owner and they said they can't reach her and we are going after you for the money. I told them I have her contact information but they said they didnt want it because they are going after me. I have hired a lawyer to help because I have to keep my credit clear to keep my employment and I just didn't know where to turn. The lawyer was not help at all, he put me right back to the same area I am now. I am currently in school getting my masters, after I finish I will have my federal loans to consider for myself. They would not give me an reason why they could not work out an agreement with the actul loan owner. If you can help me that would be wonderful. Thank you
Consumer complaint received 2024-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

XX/XX/year> {$XXXX} was transferred from my checking account by a phone scam. USAA was contacted immediately upon recognizing the call was a scam. They did not freeze the account. the scammers were able to deplete my account by transferring to another UsAA account. i have called repeatedly trying to get an update or information. i keep getting the run around. can you please help me recover my money? the attached screen shot is the account number of where my funds were transferred. this account belongs to another USAA member located in XXXX  that i have no knowledge of.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

After reviewing my recent credit report, I notice several addresses that I'm not familiar with. I have no recollection of residing at any of the addresses provided below. This is actually my third attempt at trying to remove these addresses from my credit report.XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX   XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX , OH XXXX-XXXX, XXXX XXXX XXXX XXXX, XXXX   , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX
Consumer complaint received 2022-10-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (NC)

I recently filed a cfpb complaint ( XXXX ) on my issues with XXXXiscover Financial Service on an alleged debt that they are continuously trying to collect. I have sent them a cease and desist asking them to cease all communication unless it pertains to the validation of such debt. However, I am still receiving communication from them via email on matters that do not pertain to the complaint or alleged debt validation. I would like all further communication from Discover Financial Services to be in writing and sent via postal mail or directly through the cfpb complaint that is currently open.
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

I contacted the mortgage company and asked them to remove the monthly Private Mortgage Insurance since my home is under 78 % loan to value. I received a letter from the company that stated I need to have the loan with them for at least 2 years before they will consider removing the monthly Private Mortgage Insurance from my loan.
Consumer complaint received 2019-10-01
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 (FL)

On XX/XX/2019 i responded to a cold call from a slaeman from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX ) i said that i would be interested in seeing what was available but made it clear i did not want my credit report pulled. I reported that i had several credit reporting apps and had a rough estimate of what my score was. When i arrived at the dealership i discovered that my report had been pulled and several inquiries were made. I never gave verbal or written permission for that to be done