davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (MO)

Around XX/XX/XXXX i attended at XXXX  college when i first registered for classed the course i was signed up for was event planning 1 while applying for a GRANT the classes where almost starting and i later found out they were no longer offering that Main class which was Event planning 1. The Financial Aid office had me listed as a male with selective service and for over 2 weeks with me going back and forth to the office trying to get them to change it they kept sending home to check my app. well i checked and it was no a mistake on my behalf so the last time they tried to send me home and told me to mail a letter to selective service i refused to let them continue to give me the run around so i stay in the office and call selective service to let them know what was going on considering my classes had already started. The rep from selective service said that was crazy and said for me not to leave he asked to speak to the case worker there in the FA office so that he can tell them to simply look at me and they can tell i was a female will needless to say the young lady went right in and changed the status from male to female i had been in and out of that office over 7 different times trying to get in my classes and for them to release my GRANT. because classes had already started and i had to wait on my grant money to post before i could get my books i was so far behind it was to late to turn around i wanted to attend school badly just couldnt keep up. i notified the instructors that i could not keep up and they agreed to allow me to drop with full refund ... while checking my credit report i realized the school put my account in collections for {$530.00} i had no idea they put this in collections saying i owe the school money ... i called the school and they told me the school paid for my classes so now i owe them. I said i never agreed to let the school pay for my classes thats why i applied for a grant i did not have money to pay for any type of load..if i had to take out a loan i would have never signed up for school. This has never happened before.if the did pay for classes they did it with out my permission or knowledge they never spoke to me about it and never was given permission to do so. They never gave me a chance to even address the issue i never got a letters and when a person from the school did attempt to call me she only stated that she wanted to discuss me coming back to school never saying anything about collections or a threat of a collections. now its reporting on my credit report on XX/XX/XXXX for {$530.00} please help
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LAKEVIEW LOAN SERVICING, LLC (AL)

Since XX/XX/XXXX I have been attempting to make my account current and applying the funds under the correct category. There have been many letters sent, complaints made, and complaints uploaded to your site, CFPB. There has been no resolution as of today, XX/XX/XXXX and yesterday I received a inaccurate and offensive letter from XXXX XXXX. Today I have typed up a letter to send to him in regards to this letter, but I also decided to provide you all the information again pertaining to my issues with them over the past year as well as sharing his letter and my response. Over the past few months I have been paying off my debts and clearing up some outstanding financial issues. I have been extremely successful except for my mortgage, who had been unwilling to help. You will see in one of my attachments I am current on 4 out of 5 accounts. That to me shows a big red flag on this company and their reporting of my payments. I have sent many complaints to you and I see others have made complaints to you in reference to this company. I am not sure how you eventually get to a place where this company is investigated but I would highly suggest you begin an investigation before others suffer at there hands.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (TX)

I cancelled my XXXX XXXX account on XX/XX/2018 due to under performance and terrible customer service. I received a confirmation number of XXXX and was told my account was closed and I owed {$13.00}. The month of XXXX and XXXX, I start receiving calls from XXXX XXXX XXXX stating I owe {$320.00} for an outstanding balance I had with them and thier XXXX account, which I never had. I used XXXX XXXX, as XXXX  was not available in my area. I spoke with at least 10 different people in a number of different departments and they were unable to explain to me how these charges were brought up. I believe there was an internal communication error during the XXXX XXXX XXXX XXXX XXXX merger. They have since sent me to collections with XXXX XXXX XXXX XXXX and they are now trying to collect the debt. I spoke with them and they said there is nothing they can help me with and that XXXX XXXX XXXX is not in the wrong. I need help with this please or some explaination. I feel XXXX XXXX XXXX is bullying a long-time, loyal costumer and trying to make me pay for a service, long after Ive cancelled that service with them.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I feel this issue is a negative impact on my account the bankruptcy was never filed in court it never went through any legal actions i feel the company does not want to help me by removing this issue off my account it is interfering with me getting things for me and my son and i just wish for them to remove it off my account if you look into the issue you can see that it never proceeded with anything
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute inaccurate information in my credit report, as provided under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information pertains to the account with XXXX XXXX and includes several inaccuracies that need correction. 

The account information in dispute is as follows : **Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$25000.00} - **Last Verified : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) - **Date Reported : XXXX XX/XX/XXXX ( XXXX and Experian ), XX/XX/XXXX ( XXXX ) - **Date Opened : ** XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ) - **Balance Owed : ** {$21000.00} - **Closed Date : ** XX/XX/XXXX ( XXXX ), not provided by Experian and XXXX - XXXX Rating : ** Derogatory - XXXX Description XXXX ** XXXX - XXXX Status : ** Account not disputed - **Creditor Type : ** Credit Unions - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff - **Creditor Remarks : ** Charged off as bad debt ( XXXX ), Unpaid balance reported as a loss by the credit grantor ( Experian ), Charged off account ( XXXX ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( XXXX and Experian XXXX, XX/XX/XXXX ( XXXX ) - **Term Length : ** 60 Month ( s ) - **Past Due Amount : ** {$21000.00} - **Account Type : ** Unsecured loan - **Payment Frequency : ** Monthly XXXX XXXX XXXX  - **Credit Limit : ** {$0.00} - **Two-Year Payment History : ** Inconsistent reporting across the bureaus This information is inaccurate for the following reasons : 1. **Date of Last Activity : ** Conflicting dates across XXXX XXXX Experian, and XXXX XXXX 
XXXX. **Date Reported : ** Different reporting dates across the credit bureaus. 
XXXX. **Date Opened : ** Discrepancies between XXXX and the other bureaus. 
XXXX. XXXX*High Balance and Balance Owed : ** Discrepancy in high balance reported by XXXX XXXX 
XXXX. **Creditor Remarks : ** Differing comments about charge-off status and loss reporting. 
XXXX. **Last Payment Date : ** Different last payment dates between the credit bureaus. 

Attached are copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies in the information reported by each bureau. Additionally, I have included any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I mailed certified copies of disputes to Experian ( # XXXX ), XXXX ( # XXXX ) and XXXX ( # XXXX ) via USPS. They were delivered and processed, however, they did not comply with what I asked them to do. I asked them to properly investigate these inaccurate accounts that were reporting on my credit report. They failed to properly investigate these accounts AND send me proof of their investigations. 

On XX/XX/XXXX, I mailed a 2nd round of disputes. They still came back with the same results but not telling me HOW they are coming up with these results. Experian ( # XXXX ), XXXX ( # XXXX ) and XXXX ( # XXXX ). The results came back VERIFIED and UNCHANGED but still no explanation on their findings. 

According to 15 USC 1681 ( i ) 7, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. 

As of XX/XX/XXXX, I have mailed a 3rd round of disputes to these agencies hoping they will comply and DELETE these inaccuracies since they are failing to properly investigate and follow federal law. Experian ( # XXXX ), XXXX ( # XXXX ), XXXX ( # XXXX ). 

These accounts listed below are in questioning and should be properly investigated and REMOVED IMMEDIATELY! 

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
Consumer complaint received 2018-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent 2 letters by certified mail, return receipt to Transunion. The first letter was dated XX/XX/XXXX return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Transunion received and accepted my letter through registered mail dated XX/XX/XXXX. To date I have not received a response. A second letter sent datedXX/XX/XXXXreturn receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB was received and accepted by Transunion datedXX/XX/XXXX. To date I have not received a response.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XX/XX/XXXX, a balance transfer check was requested in the amount of {$5000.00}. It did not arrive in the specified 15 day window. A call was made to Capital One to investigate. On the same phone call, the agent placed a stop payment on the first check and reissued the {$5000.00} check while I had also made an ACH request to ensure that the balance transfer was taken care of in a timely fashion. I stated that I DID NOT WANT THE BALANCE CHECK REISSUED. Agent tried to cancel but said that the system would not allow her to do so. She then clearly instructed that upon receiving the check in the mail to call back into Capital One to have the check cancelled. 

XX/XX/XXXX -- Received check in mail. Called week of XXXX and XX/XX/XXXX to ensure that the check had been cancelled as the amount was still reflected in my account balance. I was told by agent IVY that the prior agent 's request from XXXX was not honored and that his request was being rejected. 

These POOR practices at Capital One WILL NOT be tolerated. I WILL NOT DEPOSIT THE CHECK. THE BALANCE TRANSFER AMOUNT AND FEE MUST BE REMOVED FROM MY ACCOUNT BALANCE IMMEDIATELY!
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NJ)

I have several XXXX XXXX credit cards that I have falled deliquent on. I have recieved several calls a day to my cell, my husbands cell, my inlaws and my neighbors number. I have called and spoken with 3 different managers asking to remove all phone numbers and only communicate via mail. I have also stated that I will be filing bankruptcy within a few months and do not call me. I have continued to recieve calls and they have called in my inlaws telling them that I havent paid my credit cards in months. Then I have had several calls from " specialist XXXX '' claiming to call about my XXXX card with this bank stating since I have ignored her attemps to call me now my IGNORANCE will be documented as a refusal and she she sending my " complaint '' to a higher department. SHE LEFT THIS ON MY VOICE MAIL AFTER I CALLED and spoke to a manager telling them to cease and desit ALL PHONE NUMBERS and I am continued to be harrassed
Consumer complaint received 2018-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Transunion to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Transunion maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Transunion. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Transunion about. I'm confused, how can Transunion say they've verified information with XXXX that is not at all on XXXX to begin with? 

I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (TX)

I placed a stop payment on a debit transaction on XX/XX/XXXX however on XX/XX/XXXXandXX/XX/XXXX the item posted to my account causing for my authorized transactions to be returned in error. I called BBVA Compasss on XX/XX/XXXX to rectify the situation and they told me that the stop payment that was placed had expired, which was information that was not provided at the time of placement. I have been adversely impacted and they state they are unable to immediately assist me all the while charging me fees. I have reviewed their stop payment policy online which does not disclose a 2 week expiration but is as followed : Stop Payment Orders. You may request us to stop payment on any check, draft, or similar written order or instruction drawn on your account by giving us the information we may request, including the account number, the item number, the date of the item, the payee of the item, and the exact amount of the item, and by paying our stop payment service charge. We will search for your item by computer, so it is essential that all information you give us be accurate. To be effective, we must receive any stop payment order in time to afford us a reasonable opportunity to act. We will confirm your oral stop payment order in writing, and the information included in our written confirmation will be conclusively presumed to be correct unless you notify us within fourteen ( 14 ) days of the date of the confirmation.

Confirmed stop payment orders will be continued in effect for a period of two ( 2 ) years from the date the initial oral stop payment order was placed or such other period of time as required or under applicable law, regulation or rule ( including, but not limited to, the UCC as enacted under any applicable law, regulations issued by the Federal Reserve Board and rules issued by the XXXX XXXX XXXX ). A confirmed stop payment order will expire at the end of the two-year period unless you revoke it at an earlier date or renew it in writing for an additional two-year period and pay our stop payment service charge. You may not stop payment on an item if we have verified to the payee that the available balance in your account is sufficient to pay such item, or if we have accepted that item by payment or otherwise. Any account owner or authorized signer may place a stop payment order, and we are not required to release a stop payment order unless requested to do so by the account owner or the authorized signer who requested it. You agree to indemnify us and hold us harmless from and against any loss, damages, and expenses ( including attorneys fee ) we may incur by reason of our refusal to pay any item upon which you have stopped payment. For stop payment orders on pre-authorized electronic funds transfers, please refer to the Electronic Fund Transfer Disclosure Statement in this Agreement.
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

This company has filed a record on my credit report. I have no knowledge of it since they did not mail me anything. They might have violated FDCPA by not notifying me. I am afraid they have stolen my identity. 

I have no made business with them and I do not owe them anything. 

Please get a cease and desist from me
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have contacted Equifax several times pertaining to some inquiries I did not authorize. Equifax informed me to contact the creditors, but the creditors sent me back to Equifax. Equifax later reported once I called back like the fourth time that an dispute will be made for the inquies and they should fall off within 30 days and that was in XX/XX/XXXX. I called back in XX/XX/XXXX and was informed the inquires duspite was submitted wrong, so she was going to re-do it. Just for me to call back this month and they are stating they can not delete inquiries. I did not authorize these inquiries. I had put fraud alerts on all three credit bureaus, just for them to give me the run around. I have spent hours on the phone trying to get this issue resolved and they are not doing anything to assist, besides coming up with different lies to tell. I would like these inquiries to be removed.

* XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: 1 STOP MONEY CENTERS, LLC (AZ)

On XX/XX/2017 at XXXX I ( XXXX XXXX ),  spoke with a XXXX at XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX 1st party collections office, I started the call by asking her if this is an attempt to collect a debt, she verified it was, without giving me the mini miranda, i then asked for a transfer for her manager to confirm of the violation, she sent me to the general manager " XXXX '' who advised me they are are 1st party collections and they don't Follow the FDCPA, I want to confirm if this was true or not? Also on the SAME CALL the general manager XXXX gave me Misleading information and literally said " since you have not paid this loan back yet, we are SUING you '', she actually said that threat over the phone, now i'm aware that collection agencies have the right to go to small claims court..however the reason why she gave me misleading information was because on the point of the call the account was still in collections and i was actually calling in to make payment arrangements ( i was only a month behind ).
Consumer complaint received 2018-01-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Finance Company, Inc. (CO)

XX/XX/XXXXWed 2018 ... ( 7 in 3 days starting at 8 am from all different numbers ) They called and stated I owed over a thousand dollars. She started off by saying " this is what you owe how would u like to pay by check or credit ... '' I never caught her name and I did ask for it but she did n't give it to me. I still have no idea who they are or if they 're real. After reading on their reviews on XXXX it is AWFUL and encourage you to do the same. I never received an itemized statement or from who. I asked The lady if she could send me one. She kept talking over me. Told me they do n't do that after a few times of asking and stating I knew my rights she said " unless I send a written letter requesting one they will not be doing that ''. Why would I give out the last 4 of my SS, DOB, address and bank information to any one who wo n't identify who and what they are? Very very rude and intimidating. I called and left a message for a manager. No call back yet. I also told her my daughter has Medicaid if ( thats who it was for??? ) she could send me the dates of service, Bills or whatever I could provide my information and a plan for payment as well. I asked about email ... Still very rude and condescending, still no. Please if you can listen to the recording. Scary business tactics. Not a way to do business or help people like their webpage states. I have nothing to attach because I have no idea what they are referring to and if I have already paid the bills She was claiming.