davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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 (PA)

I am writing to the CFPB in regards to the false reporting on my credit reports from all three bureaus.I am the victim of identity theft and have filed with both the IRS and social security administration regarding this situation. The theft was brought to my attention by the IRS when I e-filed my XXXX return. I was notified that my social security number was not matching my birthdate on file. This started my thorough review of all three bureaus reporting information and found numerous issues with aliases, addresses, accounts and companies reporting account that were either closed or passed on to collection. 
In trying to safeguard my file I diligently wrote to all three bureaus and disputed all inaccuracies reported and have had some success in rectifying this damaging situation. 
One account reporting in collections is from Portfolio Recovery Associates, Report # XXXX, for the amount of {$3000.00}. This account was bought by XXXX in XXXX and they have not provided me with the requested information to substantiate this account such as- commencement agreement with my signature, all statements on the account to date and to what address the statements were sent and how were payments made if any on this fraudulent account. none of which has been provided to me. Another fraudulent account under Portfolio Recovery Associates has been removed as they could not provide the requested information requested and XXXX removed the reporting. Since then, a second request was sent to XXXX to remove the account still reporting and they have not. They have not provided relevant documentation proving ownership of this account and continue reporting the fraudulent account on my report. I have involved the IRS, Social Security Administration and FTC as well as my attorney general. Further, XXXX Continues to report both Portfolio Recovery Accounts under my report as well and have not provided due diligence in removing these. I have had to cancel all credit cards, notify my bank and submit affidavits, change my passwords on all external billing sites and monthly direct debits for bills. This is frustrating and unfair that I now have to work to remove these inaccuracies and have zero consumer protection from said credit bureaus. I am filing with the attorney general if these issues are not remedied, against Portfolio Recovery Associates and the bureaus for the continuous false reporting. I have supplied the bureaus with the following ; social security card, passport, drivers license, birth certificate, address for the past two years and the government affidavit to the IRS. 
I welcome any help that the CFPB can lend.
Consumer complaint received 2022-08-25
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Again, Im sending over an Identity theft report # XXXX. Pu

rsuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please note that you have 4 business days to block the reporting of an y information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
Consumer complaint received 2022-08-25
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Again, Im sending over an Identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please note that you have 4 business days to block the reporting of any information in
my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
Consumer complaint received 2022-08-25
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXBalance : {$8800.00} XXXX XXXXXXXX XXXXBalance : {$640.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXBalance : {$8700.00} XXXX XXXXXXXX XXXXBalance : {$0.00}
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Been a capital one customer for a year, opened a second credit card, established auto pay, they did not apply it, I went in and paid it directly on the XXXX, the put a system generated hold until XX/XX/XXXX, my bills attached to the card are declined and now late. Called in to capital one on the XXXX, and I asked them to fix the issue. As soon as they said they would try, they put me on hold and disconnected the call. Now I have no credit, Im out almost XXXX dollars, my bills are late, including my cell phone from XXXX, and customer service never called me back.
Consumer complaint received 2022-08-25
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the items, as they were already corrected from the other bureaus. You have 30 days to CORRECT these items listed below : XXXX XXXX XXXXXXXX XXXX Date Opened:XXXX  Balance : {$360.00} XXXX Late Date XXXX, XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : $ XXXXLate/Closed Late Dates XXXX
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (GA)

A check was written last year in XXXX XXXX in the amount of {$650.00}, for a house that I was renting at the time. I've tried to stop payment on the check due to the fact that the check was lost as per the landlord at the time. I tried stopping the payment on the check with Wells Fargo, the representative told me not to worry about it due to the fact that the check is past 180 days, and that it would be no way possible to cash if it was found. The person has been compensated already for that amount. I check my account on XXXX XXXX to find out that the check had just been posted to my account 15 months later. I have spent countless hours on the phone with every department in that facility. Some representative agreed that the check should not have been cashed being that it was expired and I would receive my money back. I wasn't issued a provisional temporary credit as the representative stated from the moment the claim was filed. I have spent every single dollar that I have earned trying to resolve this issue. I have driven XXXX plus miles making daily deposits to this bank because of their negligence. They failed to do an investigation the correct way, not to mention the check was also tampered with as well. The customer service department have no consistency of policy and the way the bank handles situations that occur. I kept getting transferred to different departments over the course of the last 12 days. I am constantly told that I will receive a call back in 24-48 hours. I have had 4 XXXX and counting due to the stress this issue has caused on my life as well as my family. I have spent unnecessary money and time because of Wells Fargo accepting an expired check.
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I sent a debt validation letter to Portfolio Recovery Associates XX/XX/2019 they responded by sending me a credit card bill. I responded back to there letter stating that they didn't properly verify the debt in response I received a letter from them stating that they have already responded to a previous dispute substantially the same as my present dispute and due to no new information they wouldn't be forming another investigation. It also state that if they continue to receive subsequent correspondence from me regarding a dispute that has already been resolved they will consider my inquiry answered and they consider the matter closed. But yet they failed to properly verify the alleged debt.
Consumer complaint received 2022-08-25
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$750.00}
Consumer complaint received 2022-08-25
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: World Acceptance Corporation (GA)

World acceptance corporation is in violation of my Privacy I didn't sign nor consent to them reporting XXXX XXXX. I'm Demanding them to send me Documents, files, and or Statements where I've signed stating I gave them permission to report my Personal Information. I sent them a Cease and Desist With my Demands See Attachments. 15 U.S. Code 1692c - Communication in connection with debt collection they are Directly Violating this section without regard of my Non public information being involved ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Larry H. Miller Group of Companies (IL)

The company has my sons address listed as my address I sent them a letter asking them to resolve it and to this date it has not been corrected. 
The companies name is Prestige financial my correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX and they for whatever reason reported that my address is XXXX XXXX XXXX XXXX XXXX XXXX this address belongs to my son. I have never lived here. I would like to have this resolved because it is very incorrect. 

Thank you
Consumer complaint received 2022-08-25
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. (PA)

I am writing to the CFPB in regards to the false reporting on my credit reports from all three bureaus.I am the victim of identity theft and have filed with both the IRS and social security administration regarding this situation. The theft was brought to my attention by the IRS when I e-filed my XXXX return. I was notified that my social security number was not matching my birthdate on file. This started my thorough review of all three bureaus reporting information and found numerous issues with aliases, addresses, accounts and companies reporting account that were either closed or passed on to collection. 
In trying to safeguard my file I diligently wrote to all three bureaus and disputed all inaccuracies reported and have had some success in rectifying this damaging situation. 
One account reporting in collections is from XXXX XXXX XXXX, Report # XXXX, for the amount of {$3000.00}. This account was bought by XXXX in XXXX and they have not provided me with the requested information to substantiate this account such as- commencement agreement with my signature, all statements on the account to date and to what address the statements were sent and how were payments made if any on this fraudulent account. none of which has been provided to me. Another fraudulent account under XXXX XXXX XXXX has been removed as they could not provide the requested information requested and XXXX removed the reporting. Since then, a second request was sent to XXXX to remove the account still reporting and they have not. They have not provided relevant documentation proving ownership of this account and continue reporting the fraudulent account on my report. I have involved the IRS, Social Security Administration and FTC as well as my attorney general. Further, Transunion Continues to report both XXXX XXXX Accounts under my report as well and have not provided due diligence in removing these. I have had to cancel all credit cards, notify my bank and submit affidavits, change my passwords on all external billing sites and monthly direct debits for bills. This is frustrating and unfair that I now have to work to remove these inaccuracies and have zero consumer protection from said credit bureaus. I am filing with the attorney general if these issues are not remedied, against XXXX XXXX XXXX and the bureaus for the continuous false reporting. I have supplied the bureaus with the following ; social security card, passport, drivers license, birth certificate, address for the past two years and the government affidavit to the IRS. 
I welcome any help that the CFPB can lend.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear sir/madam, I received my billing statement on XX/XX/2022 for the period from XXXX - XX/XX/2022 and observed a late fee of {$29.00} charged to my account which was included in the total amount due of {$410.00}. I immediately called the customer service of Bank of America to ask about the fee and the customer service agent told me that I did not pay the last bill of {$26000.00} due on XX/XX/2022. I told her that I did not pay because I did not receive that statement and the late fee should be removed from my account. I confirmed my address and she put me on hold. After that she said she can not refund that late fee because that statement was not returned to them. Then I spoke to her supervisor and told him that I always paid previous bills in time and in full. If I had received that statement, I had done the same but I honestly did not receive that statement but he refused to issue the refund. I called customer service agiain on XX/XX/XXXX and a female agent again denied refund. My argument is that either the statement was not sent to me at all due to some error or it was lost somewhere in the mail. Therefore, the refund of {$29.00} should be issued to my accout.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lewis, McDonnell & Associates (NV)

Lewis McDonnel and Associates is trying to collect a {$260.00} debt they say they purchased from XXXX XXXX. I have no outstanding debt with them and the account was paid in full a few years ago. I attempted to get them to remove it from my credit and they refuse. I have no debt or contracts with Lewis McDonnel and Associates. I want the collection removed from my record with a explanation and apology.
Consumer complaint received 2022-08-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (GA)

I bought the phone from XXXX on " XXXX XX/XX/2022 '', as phone was heating up a lot, and battery consumption was not normal, I retuned the phone on " XXXX XX/XX/2022 '' with the label provided by XXXX. 
I dropped the phone in XXXX registered drop off location, hand it to a person at that location. 
Address : XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. 
Please check the attachment as a proof. 

After a week when I didn't get the refund, i called XXXX, they said, they didn't receive the item. and its almost a month talking to customer rep, but didn't get my refund of {$820.00} that I paid from my XXXX TD finance. 

I raise a dispute in TD bank, but they are saying, i need to make the minimum payment every month until the dispute is resolved. 

they are forcing me to pay minimum amount every month, for which I am not liable, as I already returned the item.
Consumer complaint received 2022-08-25
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXX XXXXXXXX Balance : {$660.00}, XXXX OF XXXX XXXX Balance : {$0.00}, XXXX XXXX  BANK XXXX Balance : {$450.00}, XXXX OF XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

My name is XXXX XXXX, and my card has been stolen by someone I do not know. Not sure If I dropped it or left it somewhere, or was hacked, but my card was used, and fake checks were deposited into it, it did not come to my knowledge checks were being put into my account until around XXXX XX/XX/2022. When i realized my card has been missing for some while after attempting to find it, I called Wells Fargo to report my card lost or stolen. Then realized My account was negative, and I thought it was my Car insurance taking out its bi-weekly autopay, then realized that check had been deposited/returned to my account. I am deeply saddened by this attack on my account, and this has not been the first time I have dealt with scams with wells fargo.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CT)

As a XXXX year American Express customer, I was recently dismayed at an attempt by your company to charge me almost {$600.00} in interest fees on my personal American Express card. I sent full payment for my XXXX statement on XX/XX/2022, and it arrived, on time, at American Express on XX/XX/2022, which was the due date for the payment. American Express sat on my funds and didnt process the funds until the XXXX and charged me ~ {$600.00} interest. I called today and was only offered a {$100.00} credit ( after remaining on the line for almost an hour ). 
When I made the payment on the XXXX, I immediately called American Express and spoke to an Agent who told me that I would not be charged any fees and made a note on my account. 
XXXX XXXX XXXX ( the bank I used to send the payment ) certified for me that American Express had the money on the XXXX of XXXX. 
Please note that as the AMEX customer representative told me, in 25 years as a customer, I have never asked for a credit for interest on my account. This is extremely disappointing behavior on American Express part. 
I ask for a full refund for the interest charged to my account ( ~ {$500.00} ).