davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Business Services, Inc. (GA)

I've recently discovered this debt on my credit report as invalid and requested to have this removed. Security Collection Agency located at XXXX XXXX XXXX XXXX, NC XXXX has been contacted at ( XXXX ) XXXX by both myself and XXXX XXXX XXXX  repeatedly with requests to remove this from my credit report and that it was reported in error and paid in full with a XXXX balance. Security Collection Agency is refusing to remove this from my credit report with all credit bureaus causing me to be denied credit. Please help me to have this collection agency to remove this from my credit report. They have refused previous requests from XXXX and XXXX of XXXX XXXX XXXX whom have tried repeatedly to work with me to have this removed.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (ID)

I tried to send {$2000.00} to my friend through Cash App on XX/XX/2020. On my end, it showed that the payment was completed and the money had left my bank account. However, on the end of the recipient, it showed failed. The recipient contacted the Cash App and was told the transfer had triggered an alert. They suggested me to dispute the transaction with my bank and they have refunded the {$2000.00} back to me. So I called my bank and disputed this transaction. However, after the investigation from my bank, Cash App told my bank the transfer was completed and rejected to refund. They even closed my Cash App account after that. The recipient 's account was closed as well. I tried to contact customer service multiple times to ask for evidence of whether the money had deposited to the recipient 's account that he had free access to the fund. They never showed me any proof just told me to reach out to my bank or let the recipient contact them about the fund. The money was lost.
Consumer complaint received 2021-03-09
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. (NY)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XXXXXXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/2020 XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Avid Acceptance, LLC (CO)

I have an auto loan through AVID Acceptance. I am currently 9 days past due with plans to pay this Friday, XX/XX/XXXX. 

Last XXXX, XXXX, they contacted my employer, XXXX XXXX. They left a voicemail which was forwarded to me by our customer service department. I asked the representative, XXXX, from Avid Acceptance to not call my employer any more. He said that shouldn't be a problem and he would notate the account and remove the number. 

Today, XXXX XXXX, XXXX, they called my employer. I received the recording from our customer service department. This is after I asked them to stop months ago.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Called Equifax on XX/XX/2021 XXXX to report the employer information is still incorrect on my report, I tried to report it online but the online system wouldn't allow me to. I called in spoke to a representative that didn't speak clear English, he didn't understand my answers and I barely could understand him. He asked me security questions to identify myself I answered all the questions correctly, even though I believe he put my information in the system incorrectly because he doesn't understand very well. He came back on the line and told he couldn't verify me and to send in my social security card and ID. I told him no, I will not send in my personal information especially since I answered his questions correctly to identify me. I told him I want a supervisor that understands English and that could fix my issue. He went on and on and became rude and argumentative about me wanting a supervisor. I have been on the call for over 1 hour and 20 minutes and still no supervisor to speak to me and still my personal information on my report is incorrect. This the 2nd phone call placed to Equifax within the past 3 months to no avail. I need help and I need help now with having my employer information corrected in the system and I don't want to send in my personal information for people that work in a different country to have my information.
Consumer complaint received 2021-03-09
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)

Upon checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters along with my Identity Theft Report to the three credit bureaus on XXXX XXXX and XX/XX/2020 asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2021-03-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (PA)

CarMax Auto Finance has never gave me a loan. CarMax keep sending me bills. 
CarMax never responded to my Affidavit. 
I request CarMax Auto Finance send me an audit trail accounting to Generally Accepted Accounting Principles ( GAAP ). 

I, the consumer participated in a consumer credit transaction. 
I'm the original creditor, lender, executor administrator and holder in due course. 

See Affidavit sent XX/XX/XXXX XXXX
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (NC)

MediCredit is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt reporting on my credit and was very confused. I had never received any calls, letters or correspondence regarding this debt and that violates my 30 day right to dispute. Not only that but this debt is very old, according to my Attorney General this debt is past the statue in North Carolina. Not only is this past the statue of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed from my credit report.
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I had 2 collection on my credit report that I paid off simultaneously. One of the collections was removed but the other remained. I spoke to a representative of the debt collection company and they said it should come off after I disputed it. After the dispute they never removed it.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (WA)

I have an account with Robinhood financial LLC. In XXXX I tried to withdraw my funds and because of a {$50.00} reversal when the account was first opened, they have locked my ability to withdraw anything. The early issue was resolved right away. I only learned this from searching their help screens. Now Ive been trying to contact them for several months and have a case number ( provided in attachments XXXX. They will not unlock my account, they will not reply to my several requests XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, over these months leaving me no other options but to file this complaint. We are a XXXX couple living on a fixed income and need the money they are holding. Please help us? 
XXXX & XXXX XXXX
Consumer complaint received 2021-03-09
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX  XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My personal information was exposed in a data breach and as a result I am now realizing that I have been a victim of identity theft numerous times. I saw that there was a Capital One account fraudulently opened in my name in XX/XX/XXXX. I submitted the first identity theft disputes to the credit bureaus with my FTC identity theft report in XXXX of XXXX. The bureau disputes came back " Verified '' from capital one. I assumed this was just a technical mix up so I continued to submit multiple re-disputes but still got the same responses. I then decided to file a CFPB complaint against the bureaus and Capital One directly ( CFPB Case : XXXX ) on XX/XX/XXXX. I received a response from Capital One XX/XX/XXXX stating that they had no signed copy of an application to provide but that because the perpetrator ( s ) used my exposed social security number and date of birth and an address they claim is linked to me by public record that I would be responsible for the fraudulent debt. I have been dealing with this for 2 years now and I am tired and broken. I have lost numerous employment opportunities due to my credit and this ordeal has put immense stress on me and my family. I was victimized when my personal and private information was exposed in the breach. I was victimized when I realized I was a victim of identity theft and I'm being victimized again by Capital One 's refusal to release me from the fraudulent debt.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of 2021, I filed a dispute with the three major credit bureaus Experian, XXXX and XXXX  about the unverified accounts XXXX XXXX  acct # XXXX, XXXX XXXX XXXX Account number XXXX and XXXX, XXXX account number XXXX. Over 60 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you for your help in resolving this matter
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tenaglia & Hunt, PA (VA)

My XXXX  credit account was given to a Legal - collections company called Tenaglia and Hunt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. I have tried for over 3 months to get in contact with this company to pay the debt. There is seldom anyone who answers the phone and when I do get someone i can never reach them again. In the meantime, while I did agree to a settlement and payment date to avoid a court judgement, I never received the documentation and settlement agreement and was never given the option to pay. I have called and left messages and never received the call back. 
Basically I can pay or settle the debt and have gotten threatened with Legal actions in the interim. 
The phone number I have XXXX ext XXXX XXXX XXXX - Account representative. 
If someone could please help me in addressing these issues and avoiding any more threats of legal actions or collections. I want to pay my bill and clear this- however they are not providing the resources to do so. Thank You
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WHEELS FINANCIAL GROUP, LLC. (VA)

XXXX  Serviced by Loan Mart, continues to send out harrassing messages, stating, " need to speak with you about broken promises on your loan '' and was yelling thru via text with the words " ASAP! '' all in capital letters, which means they are yelling at the consumer. I feel harassed and being bullied by the company due to the fact that I have automatic recurring payments being completed every other week. No company shall harass any consumer in the way this company is doing. Each time I have paid, the next day they claimed I did not make a payment, and I did not have a " payment arrangement '' which is not true. Loanmart will not give any customers the 24 hour day before an email is sent out. For instance, Payment is Due on XX/XX/year>, and im planning to pay this particular payment by XXXX. By XXXX, an email is sent out claiming " You broke your agreement '' this is not true due to the fact that the Day have NOT ended. Per Federal Law, Fair Labor & Consumer standards act, there is 24 hours within the day. Not 4 hours. Loan mart is not giving the consumers a chance to make the payment, before a harassing email, phone call and text messages come out within minutes of them opening their doors. This can be emotional abuse to the consumer as they are attempting to navigate the work day, & have not had the opportunity to go online. If I was going to be treated like this as a consumer with zero respect, then I would never have gotten a loan from them. I guess this is how they treat XXXX XXXX as a company.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im not sure what went wrong. I have repeatedly mailed letters to the credit bureaus but have yet to receive a response. My name is XXXX XXXX, and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Someone please help! I have reached out to Transunion multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldnt tell me anything over the phone. That's 51 days! A month later onXX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP (TX)

On XX/XX/XXXX I deposited {$10000.00} check issued to me by wife from her XXXX  XXXX XXXX account and this check was deposited into my Bank of Texas XXXX Bank of Texas with hold the check since since XX/XX/XXXX till now.On XXXX XX/XX/XXXX I visited the bank and i was told for the first that my check was placed in hold because my wife wrote XXXX XXXX  but she entered the {$10000.00} correctly.Despite this minor mistake this check was cleared by XXXX  XXXX XXXX. Bank of Texas collected the money since XX/XX/XXXX and refused to release the money till today.
Consumer complaint received 2021-03-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CT)

Fay Servicing and or XXXX XXXX, and or XXXX proceeded with foreclosure process in XXXX of XXXX. I was told today by a loan servicer from Fay servicing. XX/XX/XXXX His name is XXXX XXXX. I was not notified prior to this action taken. I paid the balance that was on my statement in XX/XX/XXXX. {$5600.00}. This would have closed the loan. Covid-19 happenend in XXXX I was furloughed from XX/XX/XXXX. I took it upon myself to train for a new career in the medical field in XX/XX/XXXX, So I could help with the pandemic, I took a significant decrease in income. All this time from XXXX XXXX XX/XX/XXXX. I lost my Mom due to Covid 19 in XX/XX/XXXX. She died without someone at her side, this has had a huge emotional impact on myself. On XX/XX/XXXX I lost my job, That I started in XX/XX/XXXX. In the middle of the pandemic. I decided to re enter the workforce. Even though I fight and live with XXXX every single day. Today XXXX XXXX told me " I have no options '' But to pay the balance or " ball park '' he states {$11000.00}. I told him that i was holding a mortgage statement from XX/XX/XXXX, that reflects a total balance of {$6300.00}. He then said he didn't have a payoff amount, on hand. I responded to a summons that I found in the dirt and snow last week after the snow melted, The State Marshall, just left it on my step, I was at work for a couple days, as it snowed, so I found it buried, What a way to serve a court summons. I did not sign for it. The marshall left it on my step and the blizzard proceeded to snow on the papers. They said that they do not have to follow the Covid 19 relief federal laws or bills. I was offered, no forbearance, no mitigation, nothing.