davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (IN)

XX/XX/XXXX I was contacted by someone claiming to be a debt collector from Pro Collect. They informed me that I had a past due bill for an apartment complex in XXXX, OH ( XXXX XXXX XXXX XXXX ) in the amount of {$120.00} that was accrued in XXXX. I assured them that they had the wrong person and that I have been living in Indiana since XXXX. The person at Pro Collect asked me to provide my social security number which I declined to do. They then got angry with me and hung up the phone after I told them I did not think it was a good idea to give my social security number to anyone over the phone. I called back to speak with the person again, I wanted to help them get on the correct path to finding the correct person who owed the {$120.00}, but they again got angry and hung up on me. I asked them to provide me documentation on why they determined that I was the debtor, but they have ignored my request. I am a XXXX XXXX XXXX father of 2 who has been living in XXXX  since XXXX and been a home owner in XXXX since XXXX. This information is easy to verify and it would not make sense that a XXXX XXXX XXXX would be living in a college apartment complex. I willing to provide mortgage information, bills, or anything that will clear me of this debt.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Around XX/XX/XXXX, I received one letter in the mail from XXXX XXXX XXXX stating that my annual HELOC fee was coming due in the next month or so. The amount was {$50.00}. My account was set up for autopay, so I assumed it would be paid as normal. 

On XX/XX/XXXX, I was notified by a credit report tracking app that I subscribe to that there's been a change to my credit report. I logged in to see what happened, and my score dropped from XXXX to XXXX! I had no idea why, as I am always current on payments, pay my credit cards in full, and have no other debt outside of my mortgage. 

I saw that XXXX XXXX XXXX reported me as a delinquent account because I did not pay the {$50.00} fee. I never received any communication whatsoever about a missed paymentno emails, no letters, no phone calls warning me I was past due. I called XXXX XXXX XXXX immediately and asked what happened to my autopay, and they could not give me an answer. Of course, I immediately paid the {$50.00} fee and asked for them to contact the credit agencies saying there had been a mistake, but they did an " internal investigation '' and concluded they did nothing wrong. I asked for proof of past due bills, phone calls, etc. as they said I should have received some of these warning me I was past due, but they have provided me no such thing. I believe they completely dropped the ball and did not do their due diligence in letting me know I had a past due bill. 

I paid my HELOC off in record time in XXXX, and carry no balance with this company. I have worked incredibly hard for my credit score, and their reporting to the agencies without any warning to me is unacceptable. My score dropped nearly XXXX points because of this and they refuse to take any responsibility. 

I would like XXXX XXXX XXXX 's initial reporting removed from my credit report, and their billing department investigated so that this doesn't happen to anyone else.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my full credit report and saw many alarming error reported still after i sent certified letters to the credit bureaus to let them know some inquiries are showing that i DID not authorized not recognized, i do not have any accounts with these companies what so ever! 

I patiently waited 30 days after sending my letters and its still showing and i didn't received any response from them either. very frustrating i work hard to have a good credit. 

Here are the inquiries that are on my report and need to be removed. 

Transunion reports : XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX & XXXX XXXXXXXX XXXX XXXX XXXX ( Hotel and travel ) - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

I used the Bread Financial Comenity Bank Victoria Secret Store Card for one purchase of {$21.00} ( rarely use the card ), never received a statement after the charge, received a statement about 2 months after showing late. Immediately paid the bill and asked for them to remove the late fee. I told them that I did not receive the statement indicating what I owed and when, customer service reps were unprofessional and rude. They would not remove the fee. The balance on the card was paid in full, I closed this account. 
They are charging me late fees on a late fee balance and interest on a late fee balance. These charges are unresonabale and I want them removed. I have closed this card and all of my cards with this bank because the reps are rude and I never want to deal with this bank again. I want this to be resolved, this is not fair and they are taking advantage of me.
Consumer complaint received 2023-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/2023, I called MOHELA and submitted a payment in an amount equal to all accrued interest on my loans. I requested that the payment be applied to pay off all accrued interest, and I was told it would be. However, when the payment posted to my account, the payment was applied only to one loan, so the vast majority went to pay off the principal of that loan. 

I called again on XX/XX/2023, requesting that the payment be applied as I initially requested. I was told that it would be. It was not. 

On XX/XX/2023, I submitted a written request through the MOHELA app, requesting that my payment instructions be applied. MOHELA promises to respond to your written request within one to two business days, so I thought this would be a faster way of having my request processed. 

I called again on XX/XX/2023, after no change had been made, requesting that the payment be applied per my instructions. On this call, I was told that the prior agent made an error and did not apply the payment to all six loan sequences. I was told that a new request had been submitted to apply the payment to the interest on all six loan sequences, that the request had been expedited, and I could expect the change to be posted within 5-7 days. 

On XX/XX/2023, I received a response to my XX/XX/2023 written request, stating in full : " Our records indicate that you have already called and spoken to one of our Student Loan Counselors regarding this inquiry on XX/XX/2023. We will assume the inquiry has been handled. '' The inquiry had not been handled, and MOHELA does not offer a method to reply directly to their response. 

On XX/XX/2023, one week my XX/XX/XXXX call, the change has still not been made. I called yet again, and was told by yet another agent that the request was inexplicably marked in their systems as " completed, '' but had not been applied. I was told that another " new request '' would have to be submitted and that it would be applied in 2-3 business days. I asked that the request be applied now. I asked to speak with a supervisor, and after being transferred was placed on a 52 minute hold. 

I am submitting this request because after this much back-and-forth, I can only conclude that MOHELA is deliberately ignoring my payment instructions in an attempt to increase my loan principal by having the remaining interest capitalize when interest resumes on XX/XX/2023. This is a predatory lending practice and completely unfair to student loan borrowers.
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/2023 at XXXX XXXX  call from XXXX XXXX XXXX XXXX for a North Carolina turnpike toll in the amount of {$45.00} with the acct # XXXX. They didnt have the date, time nor road number to validate the bill. Ive never been on a toll road in North Carolina. I told them my phone number is on the do not call.gov list.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

This is in response to complaint XXXX and XXXX. This is now the third time I submitted a complaint through the CFPB regarding Citi and in both instances they claim they can not identify me in their response to the CFPB ( and therefore not submitting their response to the CFBP for review ) while simultaneously providing a response to me ( because they clearly were able to identify me because I submitted all the necessary information for them to be able to identify me ). This is clearly what Citi does intentionally to avoid the CFPB from reviewing Citi 's actions and failures regarding complaints and Citi must be held accountable for their shenanigans. Citi still has not resolved the issue and returned the {$400.00} to me for a charge that was not authorized by me. They must make this right.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-08-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P. (OH)

Im a military veteran who received a title loan from XXXX in XXXX, Ohio back in XX/XX/XXXX for around {$7000.00}. They kept extending the loan and even changed companies through the extensions and changed terms of the entire loan. I was stuck paying high fees monthly. I probably paid atleast 4 times the amount of the original loan. The company is no longer there. I still have a lien on my title. I was still making over $ XXXX monthly payments in XXXX to the new company cashmax which is no longer there.
Consumer complaint received 2023-03-19
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. (LA)

Transunion and XXXX are not investigating my disputes. US DEPARTMENT OF EDUCATION accounts on TRANSUNION and 6 unauthorized INQUIRIES on XXXX are not being shown as being DISPUTED
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (LA)

Reopen complaint XXXX or submit this as a new joint complaint. 
On XX/XX/2022 my account with XXXX XXXX XXXX was canceled. They continued to bill me until XX/XX/XXXX. I called to dispute the charges. Double billed me for XX/XX/XXXX to XX/XX/XXXX. Talked to several representatives in billing, loyalty, and cancellation department. All acted like they did not see the billing error or there was nothing they could do about this because the system was not allowing adjustments on a canceled account. I should only have to pay for services that were used. I calculate that I only owe {$350.00}. I have also made a payment to XXXX of XXXX. Then Credence inserted this on my credit report, never notified me that had the account. Falsely reporting that I made payment to them. XXXX is still accepting payment on this account Credence can not insert false information on my report. I can not owe both companies one debt. 

Company did not validate the charges. Sent me a final bill as proof of valid charges. Did not address the fact that I stated that XXXX XXXX XXXX  double billed me for one month of service and expect me to agree to the charges. Phone not been active since the end of XXXX when service was originally suspended. Switched to XXXX on XX/XX/XXXX because I was in the process of onboarding with a new employer when XXXX XXXX XXXX interrupted my service and refused to reinstate or anything after being a loyal customer with no previous phone interruptions. I will not pay the balance because I do not agree with the amount. I was never under a contract, if so produce it. Called XXXX XXXX XXXX several times and they did nothing to rectify the situation. Credence can not insert inaccurate information onto my credit file. I repeat I do not owe XXXX XXXX XXXX the amount that they are stating. I did owe them for the remaining payments on a XXXX XXXX and that is the amount that was paid. Do not blatantly lie and say there was no phone on the account when I have proof. I will not make another payment for this account until they prove that all the remaining charges on the account are valid. Submitted proof that I was double billed and Credence continues to assert that I owe the full amount. If they continue to report this inaccurate information on my credit files, I will seek monetary damages for slander.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-04
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-08-10
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. (SC)

I am writing to address an error in the balance reflected on my account. The balance appears to be incorrect, as it suggests a past due amount that does not accurately reflect my payment history. 

I want to clarify that all of my payments have been made on time, and at no point have I missed a payment deadline. I have consistently adhered to the payment schedule, and my records show that each payment was made in full and within the required timeframe. 

I kindly request that you review my account history and correct the balance to accurately reflect the payments I have made. Please provide an updated statement that shows the corrected balance. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX XXXX account number XXXX, Account name : XXXX XXXX account XXXX, Account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX  account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2023, I purchased 2 concert tickets in the amount of {$1200.00} ( XXXX XXXXXXXX each ) and were asked to transfer to money through Venmo XXXX After the transaction happened, I learned that the Venmo account that I had sent money to was not the initial seller. Turned out the seller used her friend 's account to receive the money and had that person send the money to her. I waited for hours yet I did not receive the tickets and the seller stopped responding to my messages. Early morning on XX/XX/2023, I called Venmo to report the transaction and was told they would take care of it and would help me to get my money back. I also asked the Venmo receiver to send my money back as it was a scam but he told me he had already send the money to the seller ( his friend ). At that time, the transaction was still pending on my bank account so I called the bank to stopped the transaction before it finalized. The bank was able to stopped the transaction with the charge of {$35.00}. 

On XX/XX/2023, I received an email notifying me that my Venmo account was frozen because of negative balance. Turned out Venmo sent the money to the receiver while the transaction was still pending on my bank account and now Venmo wanted me to pay them back the funds they had sent to the scammers. 

I contacted Venmo with the hope they could at least take proper actions against scammers and requested the money back from them. Yet it did not happened. They never asked for any proof or information regarding the scam nor willing to resolve the issue. As a customer and a victim of a scam, I was lucky to get my money back in timely manner, yet Venmo is now after me for the funds and sending me notices that they would give my information to a debt collector agency. As Venmo is with Paypal, on XX/XX/2023, Paypal sent me another notice to request me to pay back the fund. 

Venmo has been used as a mean to scam people and they are not taking proper actions to protect their customers who are victims of scams. Instead, they're after us victim and pretty much not doing anything to the scammers. 

I know there are a lot of people out there who are unfortunate for not being able to get their money back. I was able to through my bank, and now Venmo 's collecting debt from a victim which is absolutely obstructive. 

I hope by raising my voice and submitting my case, CFPB will help us victims to at least correct Venmo 's procedures in handling cases like these.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (WI)

I purchased a new vehicle in XXXX of this year. My auto loan is through Wells Fargo. When I tried to sign up for online access to my auto loan, I kept getting an error message and it said to contact Wells Fargo. When I contacted Wells Fargo the agent told me that there was already a checking account with my maiden name open and my XXXX was off by a day, but there was no money in the account. I explained to the agent that I haven't had a checking account until XXXX of this year. He in turn opened an identity theft case and an online fraud case at Wells Fargo. I contacted the local police department, and they told me to get more information from Wells Fargo in order for them to investigate. I called back every XXXX days for a while and was told that I had to go to XXXX, WI, which is about a half hour from where I live to provide them with a copy of my ssn card, driver 's license, and it had to be in person in order to be able to create an online account. They also told me that the checking account was closed and that their identity theft team noted that it was a fraudulent account. Long story short, I have tried since XXXX to get information for our local police department, but every time I call, I get shuffled from one department to another. I have a half dozen or more case numbers from Wells Fargo because each time I called they issued me a different case number.