davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX I had a hearing in Bankruptcy Court the judge order the servicer to re-file a Notice of sale of my property which is time frame of 90 days so I had enough time to either apply to modified the loan or sale my property because I have equity. 
They never file a new Notice of Trustee 's sale. 
So I apply for modification of my loan and a 3er party XXXX was able to help me to submit the complete package on XX/XX/XXXX when I follow up on the XXXX I was told that they could not review it because the package has to be in the office 35 days before the sale also she mention that they had sent me a letter explaining the detail on the denial of the review for modification, well long and behold they lie they did not had sent out the letter because the next day XX/XX/XXXX I call back again and talk with different agent he mention that they had not sent out any letter, that I had assign a single point of contact and he provide me her information name, email, and extension number. 
Two hours later I call back to reach my point of contact but she was not available so that new representative inform me that a letter was sent out because they can't review my loan modification do to the policy of the company that it had to be received 35 days before the sale date, I ask to email me a copy of the letter and she sent it, I am attaching it.
Consumer complaint received 2020-02-27
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bonneville Billing and Collections (UT)

XX/XX/2020, Someone representing Bonneville Billing and Collections showed up to my work to serve me papers on a repossessed car. 

I was called down to the lobby over the inter com system. When I got to the lobby, the receptionist looked really uncomfortable and pointed at the person that had shown up. I asked him to go outside with me so that it wouldn't be in front of people I work with. We started walking tword the door and he said that he was there to serve me papers on a dept that was in collections in front of people I work with before we made it to the door.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NM)

On XX/XX/2021 I paid my balance they promised to remove the account for my credit report but never did in calling the company I email I mail everything I can. But they dont help no answer. I send documents letter my id. Still nothin I paid {$2800.00} to McM but the original account is XXXX community .i have charge off. 
I explain my situation. But I told them XXXX paid and I did. Just please help me to remove this account XXXX XXXX XXXX MCM  XXXX ( XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (HI)

I received {$1000.00} on XX/XX/XXXX via PayPal, however, they would only let me transfer out a portion of the money to my bank account. They are holding {$170.00} stating that it is on hold because I am only allowed to transfer {$800.00} a month out of my account. This is absurd that they are holding my money hostage!
Consumer complaint received 2020-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My car was broken into a few years ago and my wallet, purse, and a few pair of shoes I had bought my son were stolen while i was in the gas station paying for gas and some snacks. I have noticed numerous accounts since then, especially medical accounts that have been opened in my name that I never authorized, or opened. 

With TransUnion I see the below accounts that are a result of fraud or XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX  XXXX   XXXX  XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX  XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

Intermittently Citigroups Citicards on-line Web site will not allow you to pay your bill at all or via a balance amount or other option. All date/calendar functions are inoperative and do not allow payment. IF it does allow you to pay, you have to use the custom amount feature. This did not allow payment of another credit card whose due date was a few hours away from being reached. This was told to me by a Citi service person by phone on XX/XX/20 at XXXX XXXX.
Consumer complaint received 2020-02-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Around XX/XX/2019 I opened a checking account online with Chase Bank 3 days after account was opened the Company decided to force close my account when I confronted their corporate office about what had happened I was informed that it was an internal decision I asked for a statement of reason why they chose the decision the Company refused to give me the reason saying that they did not have to provide me this reason I believe I was discriminated against because of someone or some information internally used within this Company and I have the right to know as a consumer
Consumer complaint received 2020-02-27
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: Experian Information Solutions Inc. (NV)

There is a medical collections on my account that is not mine, and I did not authorize these inquiries : Creditor/Furnisher : XXXX XXXX  XXXX/XXXX  XXXX Creditor/Furnisher : XXXX XXXX - XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX  XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX  Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX   XXXX  Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX/XXXX Creditor/Furnisher : XXXX XXXX XXXX   Creditor/Furnisher : XXXX XXXX XXXX Also, I filed a complaint with the FTC report as well.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company asking me about loans that I have never applied for. I immediately registered to XXXX  XXXX to check my credit report. I found student loans and other accounts that do not belong to me. These accounts need to be deleted from my report. These accounts are fraudulent and are not mine. 

XXXX XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$1700.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm part of a class action settlement ( XXXX, et al. v. XXXX XXXX, XXXX, et al. 
Case No, XXXX ). As part of the settlement, XXXX has agreed to cancel and remove my account on my credit report. I've tried to dispute the information multiple times through Transunion, but it still shows as a charge off and on my account. Please remove this trade line as soon as possible. 

Attached is the approved class settlement action.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5900.00} COLLECTIONS XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX  ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-26
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: Valley Credit Service, Inc. (OR) (FL)

XXXX  XXXX XXXX XXXX failed you work with me when I had card theft issues and ended up with a negative balance I couldnt afford to pay off at the time. I stipulated with them I would not be paying the overuse balance as my card had been stolen. They claimed the charges were valid and thus fast track a while into the future and on my XXXX  Credit Report I was hit with a collection from Valley Credit Services a debt collection agency whom opened the collections account on XX/XX/XXXX to the tune of {$850.00}. This ended up remaining on my report and after two years of attempting to resolve the situation I find on XX/XX/XXXX a duplicate account to the tune of an eerily similar {$840.00} had been added to the defaulted accounts and debt holdings section of my credit report. 
I filed a dispute shortly after via XXXX  for the Valley Credit Services duplicate account. They came to the conclusion somehow that in fact this meets FCRA requirements. Which to my kkowledgeI understand that a debt may somehow be sold from one debt consolidation company to the next over a period of time. But I only ever had one account with the original creditor and this only one debt account can be established for said debt. Not only has this been negatively impacting my credit score to the tune of around 20 points or so but if Im not mistaken ; under the fair debt collection laws it is illegal for this Valley Credit Services to keep reporting a disputed claim and somehow legitimize it to XXXX when there is literally two duplicate accounts for one original debt. I have done all I can to get this duplicate negative account mark removed to no avail. Please help me or provide me the information I need on where or how I may fix this problem. Thank you.
Consumer complaint received 2020-02-26
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: Colony Brands, Inc. (FL)

XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a write-off. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor must remove the current status to list it as paid in full. When I spoke to the creditor, they stated the bureaus must remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see attached bank statement showing I paid XXXX in full-page 3
Consumer complaint received 2023-08-12
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 (NJ)

Dear CFPB Team I have been a long time Amex card member ; 15 plus years. I use several of their credit card products ( 4 ) and pay over USD XXXX per year on fees on these cards. 

On my Amex Hilton Honors Card ( Card number ending in XXXX ), I was charged an interest charge of {$230.00} on XX/XX/XXXX. 

I called the rep and wanted to understand how the charge was calculated. The rep mentioned the payment due date on the balance was XX/XX/XXXX, and I had paid a few hours delay on XX/XX/XXXX. I explained I have never defaulted on any Amex payments over the last 15-plus years and, for a few hours of delay, should not be charged such high interest. 

I asked on what balance the interest was charged, and the rep, XXXX said he could not tell me on what balance the interest was applied as the system does not maintain that record. He said my last balance was about {$2900.00}, and my interest rate was 24.99 % per annum. I explained charging {$230.00} on a {$2900.00} balance for a few hours delay at 24.99 % is difficult to calculate even from a maths point of view. I asked him to explain, and he said he did not know how to explain as the system has no record of the balance on which the interest was applied. The call recordings should have the details of the conversation with the rep. The rep refuse to provide me a copy or transcript of the call recording and mentioned the recording could not be provided. I spend ~57 minutes across 3 reps. 

I would request the CFPB to look the unfair practice 1 ) f charging such interest not only for me but for all such Amex consumers, 2 ) provide a clear explanation to customers on the calculations, 3 ) Train their customer service to handle and respond and 4 ) look at possible class action benefits. 

Thanks
Consumer complaint received 2023-08-11
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THAE DATE IS NOW XX/XX/XXXX This-fraud account I demand to be removed immediately ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''