davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
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)

On XX/XX/2021, I mailed documents to Experian showing the incorrectness on my credit report asking for Verifiable proof but Experian took longer than the 30 days to respond. To this day, I have yet to hear a response from the letter sent on XX/XX/2021. XX/XX/2021 I sent 30 day no response letter showing Experian signed for documents on XX/XX/2021 but have yet to remove the incorrectness on my credit report.
Consumer complaint received 2017-12-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (CA)

I received a letter from this collector - LINEBARGER GOGGAN BLAIR & SAMPSON LLP. Another similar collector I saw here in CFPB - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attorneys they say. So, I received a letter, telling me that I owed XXXX dollars. I may be sued. It does n't say why, where, when, or how. It says, pay or lawsuit, ridiculous. I try calling but automatically I am placed on hold for more than 30 minutes. Actually, I first waited 37 minutes. Then I waited 33 minutes. Also, the title on page says that I am receiving the letter from XXXX, CO. But it says to pay at LINEBARGER GOGGAN BLAIR & SAMPSON LLP in XXXX XXXX, TX. 
This is a collection I am sure. It is ridiculous and absurd. I HAVE MEDICAL INSURANCE, XXXX XXXX. I never received any bills for this. It was converted to collection apparently. Since I have insurance, XXXX XXXX, they 'll usually cover any fees. Apparently, a collection company is attempting to collect false billing charges, otherwise, I would have received a statement, and I would have reported that to my insurance, XXXX XXXX. More, in the letter I received, I noticed that it only has a title on top of page, Attorneys, address from where it came, and a phone to call where no one bothers to answers but it says, leave a message. Of course, the call did n't work remember. Besides that, nothing else other than, lawyers may sue unless you pay. It is a lousy tactic of course. I have insurance with XXXX XXXX, so this should never have occurred. Happy to meet you in court if you refuse to remove this bill or you refuse to contact whoever tried to make the false claim. My insurance will always pay for any medical bills, why else do I have XXXX XXXX.
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (VA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2017-05-05
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: CITIBANK, N.A. (SD)

I tried to respond to the complaint  XXXX  and was unable to so I had to file a new report. I am tired of Citibank bullying me. I am going on  XXXX  and have had to go to the doctor 's several times with  XXXX   XXXX   XXXX  and   XXXX   XXXX   because I am so   XXXX    over the reporting between  Citibank a nd   XXXX   XXXX   for identitiy fraud on my account. I spoke to someone who was understanding about this a couple years ago and then I get this new person who refuses to remove the false reporting on my profile. I have filed a police report, went to identity FTC and I have also went through your company CRFPB to try to stop this false reporting. I read the letter where  XXXX   XXXX  of the  Fraud d epartment accuses me of using the money to benefit me and put it into my bank account. I have asked this guy to provide me with the bank account because I have only had  XXXX  bank accounts in the last 20 years and a savings account and ira. I have NEVER had a   XXXX   XXXX   account in over 20 years so this is not my dealings. You said I said something about my son in law, I never said my son in law had anything to do with this because he was a victim of identity theft as well. I am tired of this mess and I did n't want to spend the  XXXX  on an attorney that I couldhave paid for this account but because I did not do this and it is a matter of principal,  I will retain an attorney I am also contacting the main CITIBANK and reporting this man who is accusing me of lying and benefiting and stealing from Citibank. I am done with this now. I thought that CFPB would  not close the case and was on the side of the consumer, well, trust me, I will prove that I am not the one who authorized this account at all. This account was made when I was in  XXXX   XXXX  and I am not responsible for it. There were many people that should have not been in my household and around my neighbor 's house in  XXXX . Yes, I lived in  XXXX  before this but I did not start Citibank account or  XXXX  or a  XXXX  account. I am demanding by right, the proof that you have on the bank account that I " benefited '' from immediately. If it is found that anyone in my family was responsible, they should be held liable or responsible NOT  Myself.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

After several attempts to try to correct these accounts with the major credit bureaus they have violated my rights as a consumer, I have taken matters into my own hands and reviewed my rights in the fair credit report act law and have found that these accounts violated MANY LAWS. The accounts im referring to are listed below, and I have attached all the errors I am referring to straight from my credit report with marks, as well as cited all the laws they have seem to violated, if not more once I send to my consumer attorney if not addressed ASAP.

15 U.S.C 1681 section 602 A states I HAVE THE RIGHT TO PRIVACY Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Inaccurate Reporting 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or DELETE THE ITEM ( S ) from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. I NEVER GAVE WRITTEN CONSENT TO THESE COMPANIES THE ACCOUNTS IN QUESTION : XXXX XXXX XXXX ALL ACCOUNT NUMBERS ARE LISTED ON THE IMAGE ATTATCHED!!
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (NC)

I sent a letter to Capital Accounts on XX/XX/2022, about a collection they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX XXXX XXXX ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, this debt, which I told them to send back to the original creditor, remains on my credit report in violation of federal law. 

Re : Account # XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (MI)

I order a XXXX XXXX Tv from XXXX through Affirm. Tv was left on porch and no one was home a tv was stolen. I do not possess the Tv so I shouldnt have to pay for it. They said they would send me a replacement if I kept up with my payment but after no response I quit making payments. I also have the police report where the item was stolen and wasnt supposed to be left in a porch. I dont have this tv and would like for this to be taken off my report.
Consumer complaint received 2022-11-24
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. (CA)

XXXX XXXX is falsely reporting late payments on my credit report. They agreed to take it off of my history as this was their fault for the months of XXXX and XXXX. Spoke to them for over two hours and promised me that by the next billing cycle everything will be fixed and current.
Consumer complaint received 2023-12-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Management Corporation (MO)

My husband took out a loan through Regional Finance. I did not co-sign or want anything to do with this loan. 
We both have separate checking accounts. He does have an account with my name on it so if he ever goes over, I can transfer money to his account the minute I learn of it. 

I have taken all if my bills through a debt management company, XXXX XXXX XXXX. I've been with the for several months. My credit score was in the XXXX range. 

Then one day during the last couple months, an employee of Regional Finance called and asked to speak to my husband about his late bill payment but he wasn't home.

I spoke to the person mentioning he was going through a debt company, XXXX XXXX. During this conversation they took it upon themselves to put my name on this account and call it a joint account. 

Now my credit is XXXX. If it wasn't for this one bill, I'd have great credit! How can I get my name taken off
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Around XX/XX/2022, a card that I had with Capital One was upgraded to a Venture XXXX credit card. At the time of the upgrade, I was told that the card would be a XXXX XXXX Venture XXXX XXXX. I was happy about that because I use the network XXXX more than XXXX XXXX. On XX/XX/2022, I received an email from Capital One explaining the new card benefits, and I replied that the card was XXXX XXXX. I called customer services the same day around XXXX XXXX ( pacific time ) and spoke with XXXX, a rude Senior account supervisor ; XXXX was not professional or showed empathy about the situation I explained to him.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX, I noticed that the personal information of someone else was listed on my Equifax credit report. I also noticed that a XXXX XXXX account was also listed on my credit report, which was not mine. I contacted XXXX XXXX  and learned that " XXXX XXXX '' of XXXX XXXX opened an account with XXXX XXXX using his own personal information but listed my social security number on the application. Over the course of the credit account, XXXX was overdue on several payments. It is clear that XXXX XXXX mistakenly used my social security number when filling out the application. 

This is a disgrace and is currently affecting my opportunity to purchase a house, which we are closing on within the month. 

I previously submitted a claim on XX/XX/XXXX with the CFPB and Equifax to have the information removed, which it was. I am not sure why his personal information and credit history was re-attached.
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc. (FL)

i began exchanging crypto currency through Crypto.com last month and the company has failed to keep my information updated, and is not giving me access to my funds. 

after send crypto to my wallet, i deposited the funds into the Crypto.com card to use for purchases and was unable to order a physical card due to the address not being up to date. 
On XX/XX/XXXX, i contacted Crpyto.com to request having my address updated so that i can order a new card and was asked for proof of identity, which i provided, and told it should've been updated within 24-48 hours. almost a month later, it still hasn't been updated and after several inquiries, they continue to tell me they are short staffed, apologize for the delay, and will have it fixed within 24-48 hours. 
because of this, i am unable to access the funds in the crypto.com checking account or withdraw the money because of this. 

i believe that by failing to keep account information up to date and not giving clients reasonable access to their funds this company is in violation of anti-money laundering regulations, Bank Secrecy Act, and other laws in place to protect consumers from unethical banking practices. 

this company certainly needs to be investigated.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (PA)

I made a payment on my Elan credit card on XX/XX/XX/XX/XXXXin the amount of {$3500.00}. The disclosure statement stated that payments made after XXXX CT would be credited on the next business day. When I checked my credit card account it showed the payment being processed but my funds availability did not show the payment amount. When I called Elan they informed me since I used a different checking account to make the payment, they placed a seven day hold before the payment would be available for me to access the credit card funds available. My checking account bank shows the funds have left my account. Elan staff stated that they received the funds from my bank, but their system automatically placed a seven day hold on my funds. Elan staff acknowledged that the seven day hold on processing payments is not readily disclosed to the customers. Elan told me to contact my checking account bank and have them fax them a verification that the funds were paid to them.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: T.S. Holdings (CA)

Please I need your assistance and really needs your help regarding my XXXX problem today. I WOULD like to file a dispute against this Unauthorized Charge on me of {$720.00} to get into the credit reports into my account that really bothers me on my daily routine works on my tiring job I work hard for this to take good care of my GOOD OUTSTANDING RECORDS AND MY name. 
This was On XXXX XXXX from IQ DATA INTERNATIONAL Inc XXXX XXXX CA AND its not my consent to this matter. 
In reality all of my loans and if i have a debt I should have to payed on schedule and on time % XXXX on Time Payments even if you double check on my history reports accuracy.SO help me XXXX i want best results action to my concern and bring justice to my situation. I want to hear from you soon your best action .I want to stop this kind of fraudulent activity and unauthorized activity and receiving a debt collection in wich i am not entitled, Thank you.
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter.

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit, Inc (TX)

I requested assistance with this loan because I am currently unemployed due to ongoing issues caused by the pandemic. I contacted the lender to explore my options for saving my car, and they informed me that the only available option was to return the car. Since I have no other means of transportation, this solution is impractical as I would have no way to get to work. I inquired about other alternatives but was told that additional options require an income. At present, I am receiving unemployment benefits.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

greatlakes loan transfer in the amount of over {$88000.00}. Payments were made during covid. a 1098e int statement was received and filed with taxes for 2022 amount over {$6000.00}. Nelnets response was there was no interest charged, I provided proof and requested a itemization of the loans transferred. All capitalized interest is back on the loans. There is a problem with the loan transfer. Attached is 4 years of payment history. Something went wrong in the loan transfer.
Consumer complaint received 2019-12-05
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: EQUIFAX, INC. (NJ)

ON XX/XX/2019 EQUIFAX LOWER MY CREDIT SCORE FROM XXXX GOOD SCORE DOWN 60 POINTS TO XXXX MAKING MY CRED SORE POOR 60 POINT DROP ... ALL BECAUSE I CLOSED A MERE XXXX LIMITED MASTER CARD WITH XXXX XXXX XXXX THAT I HAD LESS THEN A YEAR OLD CLOSED ONLY BECAUSE I FELT I DINT NEED THIS CARD ANYMORE. 
AT THE SAME TIME I PAID DOWN OTHER CREDIT CARD BALANCES MORE THEN 1000.00 OFF MY TOTAL DEPTH WITH NO POSITIVE EFFECT FROM EQUIFAX I FEEL THIS IS A TOTAL INJUSTICE FROM EQUIFAX I PAY MY BILLS ON TIME ALL THE TIME ... AND THIS IS MY REWARD .... 
WHAT DO THE DO TO PEOPLE THAT DONT PAY? HANG THEM!!!!
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-21
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (MI)

I used autopay and only look at my balance to pay my card off and never noticed the fees until XXXX of XXXX. In XXXX XXXX XXXX I noticed that I was being charged a monthly fee on my Best Buy Citibank Credit card for Enhanced Debt Protection for a balance that I had for purchases made in XXXX. I never signed an acknowledgment of membership for any Enhanced Debt Protection services and never have needed any product like that. I called Best Buy Citibank Credit to inquire about the charges, cancel the membership and request a refund of the charges that I had accrued. I escalated the claim as far as I could with Best Buy and I was told that I enrolled in the program in XXXX XXXX XXXX  and any charges were valid. 

I have since found out that Citibank was found to have violated the law fro their practices in regard to enhanced debt protection products and that anyone that signed up after XX/XX/XXXX should receive a refund. However, since I did not have a balance until around XXXX I did not receive a refund. I never signed an Acknowledgment of Membership for this product and should not have been charged what I have been charged ( in excesss of {$2000.00} that I know about ). I demand a refund. 

Please help me resolve this matter. 

Respectfully, XXXX XXXX XXXX XXXX