davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (FL)

I have reached out to XXXX Card services multiple times to find out why my card was changed without notice. 

In XXXX I disputed a charge the rep said I must get a new replacement card. I received a blue card instead of a black card so I called to inquiry and was told no changes go my account however my card wouldnt let work at XXXX or anywhere I called about 4 times and was finally told my card was demoted to a regular card and my elite status was changed due to {$2000.00} wasnt charged as of 1XXXXXXXX. 

Now why would XXXX not tell me this when I disputed the charge? Why was I allowed the Elite privileges all of XXXX if there a issue or some rule then XXXX should face notified me this is not right and truly unfair practices to change my account after I filed a dispute? 

I filed a complaint XXXX and was told 10 Days expect a resolution as of XX/XX/XXXX NOTHING FROM XXXX CARD SERVICES CASE # XXXX I have called several times and the reps states the case manager assigned has no updated notes just Nothing! I advised I will file on CFPB and they dont seem to care
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report that I have asked that it be deleted. My name is XXXX XXXX this is my only name. My address XXXX XXXX XXXX XXXX XXXX SC XXXX this is my only address and any other address is not mine and needs to be removed.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MS)

I am submitting this complaint to bring to your attention a serious issue with my credit report. Midland Credit Management is reporting inaccurate information on my credit report, which is causing me financial strain. Despite my formal disputes to all three major credit bureaus, I have not received a response from the company verifying the debt. 

I believe that the credit bureaus have failed to conduct a reasonable investigation into my dispute, as required by law. The courts have consistently ruled in cases such as Cushman v. TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet ( XXXX ) that credit reporting agencies can not simply " parrot '' data from creditors and collection agencies. Instead, they must conduct an independent and reasonable investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. 

In my case, the credit bureaus ' response to my dispute was inadequate. They merely sent a generic form through the XXXX system, which does not constitute a reasonable investigation. I request that the CFPB investigate this matter and take appropriate action to ensure that the credit bureaus are complying with their legal obligations to investigate disputes in a reasonable and thorough manner.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (DE)

I pulled a recent copy of my consumer report and noticed that your agency is furnishing inaccurate information. According to the Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with the Fair Debt Collection Practices Act and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 U.S.C 1692b ( 2 ) - by stating that the consumer owes any debt. 
2. 15 U.S.C 1692c ( a ) - communicating with me without my prior consent 3. 15 U.S.C 1692d - engaging in conduct that is harassing to the consumer in connection with the attempts to collect a debt. 
4. 15 U.S.C 1692 ( a ) - invading the consumer 's privacy 5. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization. 
6. 15 U.S.C 1692e ( 10 ) - using false and deceptive means to collect an alleged debt. 
7. 15 U.S.C 1692e ( 6 ) ( B ) - false representation or implication that a sale, referral or other transfer of any interest in a debt shall cause the consumer to become subject to any practice prohibited by the Fair Debt Collection Practices Act. 

The following account needs to be removed from my consumer reports immediately : XXXX. XXXX Date Opened : XX/XX/year> Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: T2 Financial LLC (OH)

i made a tax payment by mistake in XXXX of last year after receiving the letter saying last years taxes were due. my mortgage payment reflected the increase and i realised i made the payment in error. i asked the servicer ( revolution mortgage ) to show me the difference and the rep showed me a couple months adjustments and assure me everything was fine. forward to this year i called the treasurers office to see if everything was accurate and they told me there was a double payment made and it was in an account not being applied. I could ask for a refund. i submitted the form as the property owner but it was declined. the reason was my payment posted first and the mortgage servicer payment posted second creating the overage. I was then advised to ask revolution mortgage to submit their form for refund and i did. XXXX  XXXX  is the rep from revolution mortgage that had been handling my account. i sent him screen shots of the letters from the county treasurer about what had already done and that the ball was in there court to submit the form for refund since my mortgage payment already includes escrow adjustments. he said he sent the form in. this is happening over a period of a year and four months from first contact to now. i called the county treasurer again XX/XX/year> and the rep said NO OTHER ENTITY HAD MAILED IN ANY REQUEST TO REFUND OVERPAYMENTS. i will attach all emails i have. i forwarded the email from the county and he not only wasn't helpful, he proved that he lied about sending the form in which is his duty as mortgage servicer.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (FL)

TD/Target stated they did have permissible purpose to pull my consumer report leaving an unautorized inquiry. I will need XXXX XXXX to provide me with my written instruction stating that I authorized these transactions and the IP address matching to the IP address of my device that is registered under my name at the time of this unauthorized transaction.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ADP Inc. (CO)

A fraudulent action on my wisely account occured and I filed a dispute in return they denied the action and claimed they went into a investigation with the XXXX XXXX XXXX. Which if they did they would have seen that I was not the one who took the money out of my account. I filed a police report and still had trouble finding anyone who would help me get my pay check back to me which was the amount of {$330.00}. It hurt me financially and had to struggle for months because I couldn't get my money I worked hard for returned. They claim as well to insure you in case of this incident through 5th party FDIC. Still I have not been approved to have my hard earned money back to me. I hope someone can give me help and answers to get this issue resolved and the rightfully earned money I worked for back into my pocket thank you.
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery has sent a copy of an itemized bill and not a signed agreement from the credit card company. This is a stall tactic nor will i pay for this fraudulent account without proof of validation. Portfolio Recovery refuse to show anything that has my signature because this debt collector is in violation of the FDCPA. I'll say it again Validation of a Debt Request Pursuant to 15 USC 1692 gb, Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) remove this fraudulent placement or show proof of validation that I own this debt! I DON'T WANT A ITEMIZE BILL OF FRAUDULENT SPENDING. YOU CAN'T BE SERIOUS WITH THIS BILL AND ASSUME I AGREE WITH THIS FRAUDULENT ACCOUNT. YOU ARE ILLEGALLY CLAIMING THIS ACCOUNT TO BE ACCURATE! PROVIDE ME WITH PROOF OF THIS INVESTIGATION? AS A CONSUMER PROTECTED UNDER THE FDCPA AND FCRA I HAVE RIGHTS TO SEE YOUR FINDINGS.A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
You Portfolio Recovery have no right under the law to send me any type of communication whatsoever. Cease and Desist all communication immediately. 
Further More You Portfolio Recovery Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that you are implementing yourself.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) NOW! WE CAN KEEP GOING BACK AND FORTH BUT I PROMISE YOU THAT YOU WILL LOSE IN A LEGAL ACTION DUE TO THE FACT YOUR NOT LICENSED IN MY STATE AND I MADE A COMPLAINT WITH THE FTC AS STOLEN IDENTITY AND YOU ARE INSISTING YOUR INVESTIGATION IS VALID WITH NO PROOF! REMOVE ALL FRAUDULENT REPORTING FROM ALL THREE BUREAUS! IF YOU FAIL TO DO SO I WILL TAKE LEGAL ACTIONS!
Consumer complaint received 2024-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (MO)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NJ)

Approximately XXXX  days ago, I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report. 
I am specifically requesting documentation beyond a simple billing statement evidence that conclusively proves the account 's status and my association with said charge-off. 

XXXX Account XXXX : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please Delete Immediately
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am rewriting to address a matter of utmost concern to TRANSUNION regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that TRANSUNION conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: STATE EMPLOYEES CREDIT UNION (NC)

In XXXX of last year, we had a water leak. Out insurance tried to short us. I retained a public adjuster. After 8 months we settled. The original amount of the estimate to repair was {$14000.00}. They made a payment of {$2000.00} and indicated that was it. After careful review and 6 adjustors coming to my home, they cut a check for {$110000.00} for repairs. The check was written to my adjustor, me and my wife, and the NCSECU. They took the money, put it into escrow, denied payment to my adjustor, and now have denied me access to the funds. I repaired my hardwood floors on my own. The quote from XXXX XXXX for the rest is {$12000.00}. I have had to purchase materials out of my pocket. I will have to pay my tile man out if my pocket. Repair cost is {$12000.00}. The check is for {$110000.00}. I am XXXX due to XXXX. I feel this is a case of discrimination based on my health and XXXX. I am capable of having our kitchen done without them dictating to me how my home should be repaired. I have XXXX so they need to handle the repairs to my home. I have requested they honor the deed and come inspect for themselves and they refuse. I want something done. I expected to be treated like a XXXX XXXX XXXX. I did not expect it from a bank I have done business with for 40 years. I have never had a problem, until I became XXXX.
Consumer complaint received 2024-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/year> I was getting ready to apply for an apartment when I checked my credit report and realized I had damages on my credit report. I can not apply for a home with these types of damages on my report. According to the 15 USC 1681 ( B ) ( C ) Law there should not Be any damages to my report and its a defamation to my character. It is illegal
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten 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 2024-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Include dates, amounts, and actions that were taken by you or the company. 

On the XXXX and XXXX and XXXX of XXXX unauthorized transactions was made from a scammer posing as a representative. They had a broadcast system called XXXX XXXX. He was able to use that broadcast stream to internally get a visual and control the transactions using the XXXX XXXX system. The phone number that the caller was utilizing on the XXXX of XXXX was ( XXXX ) XXXX. I in no regards had anything to do with these transactions nor feel as if it is okay for veterans to have to go through situations as such as making a report and then not being fully funded amongst these financial situations. USAA was informed on each day of each time transactions was done unauthorized. They noticed another transaction and refunded that one but gave a temporary credit fund and took it back placing my account into a bind. How can the investigation accept refunding one that was taken two days later but not validate the 2 large sums that was taken the day before in the start of the scam. I informed USAA and made claims so I had no choice but to make a complaint here.
Consumer complaint received 2024-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

The website for ECSI to pay my federal XXXX loan is terrible. Every month, I spend over an hour trying to log in to make a payment. Additionally, I am eligible for XXXX Forgiveness and have attempted to send in the forms but they are NEVER received. I have just currently spent over an hour trying to get into the site to make my payment and still was not able to get in. The website is outdated, difficult to navigate, and information is lacking. I contacted customer service about my forgiveness paperwork in XXXX ( mailed to them in XXXX ) and was told it was not received and that I couldn't even resend, as it had to be dated within 30 days of submission. I had to retrieve information from the corporate office for my current employer, as well as information from a former employer. They are not going to continue to fill out form after form if they are not received. It took me 20 tries to get the website to change my address. My account is still under my maiden name because I don't know how long it will take to change my name. ECSI should NOT be servicing student loans for anyone, let alone the government, with their website that was designed in 1997.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC. (IN)

SoFi messed up my account. Dispute and appealed and won {$830.00} only to have it taken away and my balance to go negative. Customer check bounces. Cant access my money available to me. SoFi says pending but I have no pending and my available balance is shown along with screen shots of chat they agree no pending. Refuse to close my account due to pending and refuses to release my {$590.00} so I can pay my bills please. Ive been dealing with this bank since XX/XX/year> everyday with documentation to back it up.
Consumer complaint received 2024-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (FL)

In XX/XX/XXXX, the CFPB proposed a rule that seeks to remove medical bills from credit reports. This " debt '' is fraudulent. XXXX XXXX I was XXXX XXXXXXXX XXXX XXXX, for which I received XXXX XXXX XXXX. XXXX paid the medical bills. The XXXX XXXX XXXX claim ID was XXXX. And it was handled and paid by XXXX. So this shouldn't be on my credit report at all. One because medical bills are no longer allowed on credit reports and 2. This isn't even my debt. This was obviously illegally bought and they are trying to scam me into paying for something that was already paid. I want it removed IMMEDIATELY from all 3 credit report bureaus. Because at this point I am about to file a police report against this company for fraud, along with going to the media. I attached the so-called " open balance ''
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: P&B Capital Group, LLC (FL)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via XXXX XXXX  ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-07-28
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)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.