davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Experian has had months to resolve the fraudulent accounts on my credit file that resulted from identity theft, and yet they continue to refuse. There are two accounts on my credit report which are being incorrectly reported to Experian, from a XXXX XXXX XXXX XXXX XXXX XXXX. These are two Credit Cards, Which I never opened. I provided Experian an FTC Law Enforcement Affidavit, Which is signed under perjury explicitly explaining the crime, and the details and times/ dates that the identity theft occurred. I never received a single credit card from XXXX not even once. I advised the company of this, and Experian either tells me they have validated the " information '' With the merchant. Or that the merchant does not know how to contact me. This isn't true as I have already been in touch with XXXX and advised them that both accounts were opened as application fraud, XXXX has reopened the account with several different numbers each time it's the same fraudulent credit card. I did not authorize any accounts to be opened with XXXX. Not in XXXX, and not in XXXX. Both were opened in XXXX of their perspective years. Neither card was authorized, Neither card was used, and neither card did I sign nor agree to open. The accounts are fraudulent, opened using stolen Identification. These were not authorized. They used an email that was found on the dark web. XXXX and Experian refuses to investigate it. Instead keeps siding with their Vendor. This is a crime this is identity theft and they are incorrectly reporting these accounts on my credit report.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item XXXX XXXX ( ADDRESS : XXXX XXXX  XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} ENHANCED RECOVERY CO L ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

After speaking with 3 representatives including a manager, my issue went unresolved. 
Capital One did not want to take responsibility for not providing the total accrued balance at the time I went to make a full balance payment. My statement amount said {$9600.00} with due date of XX/XX/XXXX. I paid an amount of {$9700.00} on XX/XX/XXXX as that is what their website had as the " current balance '' with all intentions to pay off the card in full with interests that reflected the higher amount than my statement. 
I knew that higher balance I was paying included interest and I know that I am responsible for that interest which I had no problem paying. My issue is that 7 days later I was charged an amount of {$140.00} of interest charges. No where in their payment processing options is there a disclosure that my " current balance '' may not be up to date. Consumers are not aware with this at the time of clicking on " current balance ''. Therefore there is not an updated " current balance '' nor does it state on the payment option prompts that the current balance may not reflect what the " pay off amount '' may be.
Consumer complaint received 2016-12-06
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (WI)

I set direct deposit online to my online h.r. I entered my account number and routing number and this information was excepted withan confirmation number. My official pay day was XX/XX/2016 but funds were never and still havent been recieved to my account. I have a trace number and gave it to the institution where funds were sent but they are telling me the funds werent qnd still havent been recieved. My employer will not issue me a new check and the reciever is saying that can not send anything back they never recieved! Im at a loss. Please help.
Consumer complaint received 2020-06-26
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. (CA)

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are five accounts in negative standing appearing on my credit. I had no idea these accounts were even opened in my name because I didn't open them and I did not allow anyone to open them with my personal information. The companies where these accounts were opened are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and U.S Department of Education. I do not have any written/verbal contract with any of these companies nor did I gain anything as a result of these accounts that were opened in my name such as money, services, goods or anything else and I never contributed to any payments that might have been made towards these accounts. I don't know who these accounts belong to but I have already filed a police report because it's not fair that I'm being held responsible for accounts that I never authorized to be opened in my name. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-06-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A letter was mailed to Capital One in XX/XX/XXXX asking that they verify that they took the proper procedures in regards to contacting my about the sale or disposition of my car prior to reporting it to the credit bureau. No information was obtain and received from Capital One. Another letter was sent as a follow up, on XX/XX/XXXX asking them again to provide proper documentation. Along with another letter on XX/XX/XXXX. As of today XX/XX/XXXX, I have not received a reply from Capital One.
Consumer complaint received 2020-06-27
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: Mr. Cooper Group Inc. (MA)

Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remark.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc. (TX)

I paid XXXX XXXX. and it is still showing and reporting to my credit every month after they agreed that once paid this item would be deleted ... this has been a on going issue.
Consumer complaint received 2020-06-26
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: EQUIFAX, INC. (CA)

I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are five accounts in negative standing appearing on my credit. I had no idea these accounts were even opened in my name because I didn't open them and I did not allow anyone to open them with my personal information. The companies where these accounts were opened are XXXX XXXX XXXX XXXX, XXXX XXXX County Dept, XXXX and U.S Department of Education. I do not have any written/verbal contract with any of these companies nor did I gain anything as a result of these accounts that were opened in my name such as money, services, goods or anything else and I never contributed to any payments that might have been made towards these accounts. I don't know who these accounts belong to but I have already filed a police report because it's not fair that I'm being held responsible for accounts that I never authorized to be opened in my name. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-06-25
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. (IL)

Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$3900.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted a representative with XXXX  to make payments on this account and I was told that the account had a {$0.00} balance. Currently this account is reporting a current balance. This account should be reporting a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to correct this however, I have not been successful.
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I noticed an unauthorized transaction on my Coinbase app in the amount of {$6800.00}. I notified Coinbase immediately by their phone system which only allows you to notify them if your account is suspected as compromised. I received an email from them on the same day, acknowledging the unauthorized transaction. The next day an ACH debit was initiated from the bank account that I have on file with them, but as the account never has that amount of funds in it. It did not go through. I notified my bank of the unauthorized transaction and the fraudulent use of my account and that the ACH should be stopped. They stopped the ACH and the funds were not taken from my account. On XX/XX/XXXX I received notice that fund withdrawal was suspended for my account. The next notification, on XX/XX/XXXX, was that they were recovering the funds from the transaction by selling the currency in the account. On XX/XX/XXXX, I was notified that 'recovery was complete ' and that 'account restrictions have now been lifted '. I have emailed on XXXX XXXX, XXXX, XXXX, XXXX, and XXXX, hoping for any reply but have received none. They do not have a customer service line to speak with a real person involving my account. I am afraid that I have lost my funds in the account since I am still not able to access my account.
Consumer complaint received 2020-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

XX/XX/XXXX To whom it may concern : I need your agencys assistance, for years now, I have been harassed by XXXX XXXX XXXX for fraudulent medical bills that I do not owe. 

I have not been a patient of any XXXX XXXX XXXX doctor in years now, and I do not owe any outstanding Medical debts to them, yet they continue to harass me, by charging me for debt that I do not owe. 

They continue to charge me for XXXX XXXX that have already been paid for in previous years, by myself, as well as my dual insurance carriers. 

I have contacted their business office over and over again, they have received copies of payments already made to them, I have had attorneys to write to them to clear my name of these fraudulent debts that they continue to harass me about. 

For years now, the billing office for this medical group has insisted on harassing me, they have made mistake, after mistake on my patient accounts, they have not credited me for payments received from me, as well as from my insurance carriers. 

They have inept and unqualified people working in their billing offices, over the years they have claimed that they have changed their computer systems, over and over again. And it seems that each time they have, they place people that dont know how to do patient billing, and so the patients suffer for their incompetence. 

Years ago their Administrative officers XXXX XXXX, as well as XXXX XXXX XXXX and others in their Administrative offices, were made aware of this continual harassment from their billing office, and this was supposed to have been corrected. 

( I am enclosing copies of letters that were already sent to XXXX XXXX XXXX back in XXXX ). 

Yet I find today in my mail, on XX/XX/XXXX, a letter from a Collection Agency by the name of Capio Partners LLC, this collection agency is billing me for fraudulent medical debts that I do not owe. 

I want Capio Partners LLC, to understand, that I am not paying them, nor am I paying another dime to XXXX XXXX XXXX, for any more of their fraudulent medical bills. 

I want Capio Partners LLC, to cease and desist from contacting me about these fraudulent debts that I do not owe. 

I want any collection accounts that they have placed onto my credit files removed immediately, as well as removed from their collection office, and I want hard copy proof on their letterhead that this has been done. 

Capio Partners LLC, can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (PA)

I co signed this loan for my son. In XXXX of 2019 he was in an auto accident. The car was deemed totaled by the insurance company. All state insurance paid their balance immediately. I called American Credit Acceptance and the dealership many times to get them to have the GAP insurance cover the remaining balance. I continued to pay this loan in XXXX, XXXX and XXXX to make sure this did not report negatively on my credit. But low and behold even when the car was completely covered by insurance and GAP insurance some how they still managed to destroy my perfect credit with a 30 day late payment in XXXX of 2019. This is NOT acceptable. We were NEVER late on this loan.
Consumer complaint received 2020-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

After multiple and repeated attempts to contact the seller ( XXXX   purchase ) without success I opened a case with paypal ... I told them of the legitimacy issues with the watch in question after having spoken to XXXX XXXX, the former head of XXXX XXXX XXXX watch department, XXXX XXXX a world renowned vintage watch expert, XXXX XXXX, a respected internationally known dealer in vintage watches, XXXX XXXX XXXX XXXX watch appraiser with XXXX XXXX, XXXX XXXX who previously was the watch appraiser at XXXX XXXX, XXXX XXXX a purveyor of vintage XXXX watches in the XXXX XXXX as well as XXXX XXXX XXXX who authored two of the most respected books on Vintage XXXX watches and all agreed that this watch was never offered in a gold filled case or as a monopusher as the seller had advertised in being 100 % original..!!! ... I didn't become suspicious until I wanted to get an appraisal of the watches value ... The first 6 months in possession of the watch I spent having it serviced, cleaned and oiled as well as having parts replaced that were not correct ... .The next few months I spent speaking with and communicating via email with the above mentioned experts ... .I sent the watch back to XXXX a month ago ( XX/XX/2020 ) ...!!! ... I have a video of it being packaged and photos of it being dropped off at XXXX the only company who would deliver the watch ... USPS and  XXXX refused to deliver packages to XXXX XXXX because of rampant theft, violence in addition to the pandemic ... I was unable to insure the package for more than {$800.00} because of the import restrictions in XXXX ... .It 's outrageous that I was given a provisional credit for the purchase only to be told I didn't have a valid claim by XXXX ... So last week I not only was told the money was going to be removed from my account but the FRAUD of a watch was out of my possession as well ... This complaint against paypal started on XX/XX/2020 ... .I intially opened a claim for fraud on this date ... .Upon checking into my account nothing was registered in the resolution center ... .I subsequently opened another complaint within days only to be told after approximately 40 email and chat exchanges that I needed to send the watch back to XXXX that the paypal buyer protection didn't extend past 180 days ... So I lost the money for paying for the FRAUD of a watch and was told by paypal to send the watch back and I don't have the watch any longer ... I escalated a claim with XXXX XXXX to the executive office and and was initially given a provisional credit by XXXX ... I reported the FRAUD to XXXX   but in their infinite wisdom interpreted by issues with paypal as an unauthorized transaction something I never intimated ... .My issues were solely based on the FRAUD of a watch ...!!! ... .XXXX then removed the provisional funds from my account ... .Additional information will be provided upon request ... XXXX XXXX XXXXXXXX ... .
Consumer complaint received 2020-06-27
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. (MI)

I filed a previous complaint with you ( CFPB ) and all information in that complaint was TRUE and ACCURATE # XXXX. 

Then, Transunion replied with lies and you closed my complaint, well I am submitting another complaint because what TransUnion replied with was FALSE information! I sent my original dispute with a COLOR photocopy of my social security number and with a COLOR photocopy of my driver 's license with address, and a clear and legible letter disputing my credit report. I even had the letter certified with a return label ad signature, which they stamped and received FROM ME! I then responded with a no response letter the same way, so there is no way that it was not clear that it came from me. This company did not respond in over 45 days and accounts disputed on my credit report should be cleared asap! They are now lying to you ( insulting your intelligence ) and stalling trying to avoid clearing my account after they defaulted by NOT replying to my request. I have proof of all of this and I demand that my account with TransUnion be cleared asap because they have violated multiple laws according to the Fair Credit Reporting Act ( FCRA )! I can not believe how a company would go through great lengths to LIE to prevent from doing what is right! I waited to see what the response would be so I will be taking further action and getting a lawyer to SUE all parties involved with this clear violation of the law. And I WILL WIN because I HAVE PROOF of all transactions! How can this case be closed based upon a LIE!?? 

Now, they have responded to you trying to imply that they received information from a THIRD party, but replied to me stating that the information was not legible so which is it?? Then you ( the CFPB ) just closed my last complaint # XXXX, based on the LIES they told you. MY LETTER says one thing, and what they responded to you with says another. A copy of THAT letter is attached. Based upon that alone shows that TransUnion is not truthful and is violating the laws of this country that we all are required to follow! 

Thank you for your attention to this matter!
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

I Contact Experian and XXXX XXXX Asking for Validation of the verified debt, follow up letters etc. I sent both certified letters for the burden of Validation. Sent them identity theft report about XXXX XXXX.. I call many time.
Consumer complaint received 2020-06-26
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: PNC Bank N.A. (GA)

I have a car loan in my name from PNC. I divorced 2 years ago and my ex-wife was court ordered to pay for the car. She neglected it and as a result my credit score suffered as a result. I have submitted disputes to the credit bureaus and supplied them with court ordered documentation supporting my claim. It persists in negatively affecting my credit. I have requested that this be corrected over the last several months. PNC does not have someone I can speak to about this. This is very frustrating.