davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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: LEXISNEXIS (GA)

To whom it may concern. My name is XXXX XXXX. Im writing you because an entry appears on my credit report that states I filed a Bankruptcy in your district. Could you please explain to me how this might occur, because to my understanding only the last 4 digits of the debtor social security numbers are released pursuit to rule 9037. Any information you could provide would be greatly appreciated.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This company is violating the FCRA COMPLIANCE. They are not reporting 100 percent accuracy to my report. In fact their reporting has caused me to be denied several times for several different loan and home applications. The company as took oath to report 100 percent accuracy and they are far from doing this. The company is Capital OneXXXX The original balances two bureaus read the same and the other states XXXX, limit two agencies have the same amount one states XXXX. None of the dates opened are matching or correct and reported dates are all different dates as well. Most of all I have XXXX late payments that continue to report even after the account t has been charged off. Which is not accurate either because charge offs should not have any lte payments attached to it because they are late by default. I want this company to remove this account from my report. It has violated my rights for long enough. I believe them reporting late payments after the account is charged off is a sneaky cruel act. I have months where on bureau is reporting I paid on time and another bureau claiming it's a charged off account. This is not 100 percent accuracy and I want it removed.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC (CA)

FOR THE LAST YEAR EVERY 30 DAYS I REQUEST FROM ORIGINATED COMPANY AND DEBT AGENCY DOCUMENTS OR AN AUTHORIZATION WITH MY SIGNATURE FOR THIS DEBT CLAIM. NO COOPERATION FROM EITHER SIDE. I HAVE DISPUTED THIS ON MY CREDIT REPORT ( XXXX ) EVERY 30 DAYS
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (FL)

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 U.S.C 1681 XXXX XXXX  Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XX/XX/2022 XXXX XXXX Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital Closed my account due to fraudulent activity and have continued to charge interest. I have called and questioned them and even tried to settle but they refuse to work with me on the matter. I believe it is illegal for them to charge me interest if they have closed my account and I would like to be refunded on the interest they have charged me and to settle on a payment to pay off the balance.
Consumer complaint received 2023-11-21
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

Ive received a 90 day late notice from Heartland ESCI ( attached to complaint ) dated XX/XX/2023 indicating that Im 90 days past due on an account I do not recognize. I also received a 105 day notice on XX/XX/2023. I've never established a business relationship with Heartland ESCI nor with XXXX University. Ive never received any servicing communication from either of these entities until receiving this notice which feels deceptive. How can I be 90 days or 105 past due on a loan Ive never originated or received the benefit of the loan proceeds? 

Additionally, Im afraid that this is a scam. Im a former XXXX in the United States XXXX and thanks to my service have never had the need to take out a private student loan, certainly not one at 15 % interest. Ive never been enrolled in or taken courses at XXXX University. Ive not received any information related to this account prior to the 90 day late notice. I believe these are private student loans but Im unsure as Ive never approved the origination of a loan in my name at XXXX University. Im afraid to call any of the numbers included on these notices or online in case this is a phishing scam. The 90 day notice sent contains multiple unnamed XXXX XXXX XXXX and fails to provide any information as to what to do if I believe Ive been sent this notice in error. 

On XX/XX/23 I drafted a formal letter and sent this notice to XXXX XXXX XXXX ( listed on the reverse of the letter ) and XXXX XXXX  XXXX ( listed on the front of the letter ) asking for Heartland ECSI to provide me with more information related to this account but also asking for more information to ensure that Ive not been the victim of identity theft. These letters were sent certified mail on XX/XX/23. As of XX/XX/2023 I have not received any response. The notice containing two XXXX XXXX XXXX is confusing. Im confused as to how best to contact the firm without providing additional information about myself and potentially enabling further identity theft. 

I believe this letter may be a scam as the reverse of the letter, nor the website, have a place where consumers without established accounts may submit a formal complaint or request assistance. I dont know how to contact this firms security department with my allegation of potential identity theft. Im not sure how I can best inform and thus protect myself from potential monetary harm or non-monetary harm such as negative credit reporting on a loan Ive never agreed to.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX EQUIFAX MORTGAGE XXXX XXXX, XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXXXXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NJ)

I sold and mailed an item to a buyer using US postal services to send. The buyer never asked for tracking, despite my asking them to do so.

The item was mailed and payed for thru Paypal 's money service.

The buyer states they never received the item and filed a complaint with Paypal. I responded to the buyer 's complaint by providing PayPal with copies of the US Postal mail receipts and as it was sent oversees the customs form copy showing the address the item was mailed to.

Paypal wrongly sided with the buyer and is trying to wrongly collect a {$2.00} charge, which is the difference of the {$48.00} charge they reversed charged to my account.

I called them to dispute the charge and was told by their operator, verbally they were pursuing collections actions against my me for the {$2.00}.

This is wrong, I did as I was supposed to mailing the item as the customer requested, they not receiving it in their country is not my fault, and Paypal is taking the easy way out by trying to wrongly collect a debt on a US individual as they I believe can not go after the foreign person.
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I received a direct deposit style debit card in the mail through Venmo that I had not applied for. My social security information has been compromised for some time now, so I immediately called Venmo to have this account/card cancelled which they happily did. They stated I was not responsible for charges. However, the problem I have is that my information is entirely frozen on all credit and banking bureaus, including XXXX. From my understanding, financial institutions such as Venmo are to request my information from XXXX, being that is is the banking record bureau, before opening a new account in my name. If they had done that, they would have seen my account was flagged and denied the fraudulent account. Clearly, they did not follow through with with responsibility. When talking to the agent, I asked why this consumer protection measure was not done. We went back and forth for several minutes, with him telling me that how was information is used is a " trade secret '' and he can not reveal trade secrets to the laymen like myself. However, I was simply asking why they had not done what they are, by law, supposed to be doing whenever a new account is requested. After several minutes of a runaround, with him admitting no fault and refusing to actually answer my questions, I simply gave up attempting to get an answer. He then said it would be escalated to a manager who would erase any charged brought onto the card. I asked if I could expect a call from said manager, with a report of what charges, if any, were made in my name. Again, I was told this was " trade secret '' information because it reveals how their company deals with fraud. Overall, it seemed like a very shady practice, and the company is not fulfilling their duty of checking credit and banking reports before opening a new account.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I opened a secured credit card through Discover at the suggestion of my mortgage lender to slightly increase my credit score by a few points so that I could qualify for a better rate on a mortgage. I paid the card in full every month by the due date and never carried over a balance to the next billing cycle. Discover began reporting 100 % credit utilization to the credit bureaus decreasing my score by almost 100 points. Being as I never carried a balance on the card, I never had revolving debt, and therefore I had 0 % credit utilization. 
Also, Discover changed the terms to which they would give me a credit line increase without notifying in writing 30-days prior. They were supposed to review my account after six months of on-time payments for a potential increase and when I asked for one I was advised that this actually happens around month seven or eight and possibly even nine. I am a meticulous planner and never would have agreed to something like this.
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I am in a terrible situation with my mortgage because of XXXX which decimated my carpentry business. My lender is Select Portfolio Servicing and they have filed legal paperwork to foreclose on my home, which my father built with his own hands in XXXX. My clientele was primarily elderly homeowners who learned about me through word of mouth over the years. During the pandemic people were frightened to have workers come to their home and my business got very slow and at that same time I was diagnosed of XXXX XXXX and eventually my business shut down. This led to missed mortgage payments. I contacted SPS to try and get help but feel that I was given the cold shoulder. I thought that there were programs available to help homeowners who had financial problems because of XXXX but I don't think that the bank gave me access to any of these programs. After missing several months of payments I received paperwork that I was approved for a repayment plan that raised my payment almost {$300.00} per month. I called into SPS to tell them that this was too expensive and request that I be reviewed for other programs. My current interest rate is 8.1 % and my missed payments were the result of XXXX. But they did not give me a chance to be reviewed for any other programs and started foreclosure against my family in XXXX. 

We submitted new applications for assistance at the beginning of XXXX and after months of review were told that there were no options. I do not believe this is true. The government offered to reimburse banks through the CARES program and I know that SPS participated. Their denial letters claim that we are denied because of " investor guidelines '' but a pandemic related hardship does not fit into " investor guidelines '' and I think that there should be exceptions that can be made by management in this type of situation. 

I am not happy with the way things have went with SPS and just want the opportunity for a fair negotiation for a reasonable solution. We have the ability to make our regular mortgage payment, but we do not have the ability to pay back the {$11000.00} in missed payments and fees. SPS has many tools at their disposal to address this situation but instead of allowing access they tell us sorry, we are taking your house because of " investor guidelines. '' Due to the high interest rate they should be able to restructure and modify our mortgage loan and put the missed payments back into the balance of the loan. Or there should be an option to defer the missed payments and resume the regular payment. Either one of those options would work and allow us to save our home. We are now receiving legal notices that they are preparing to sell our home but we don't want to give up.
Consumer complaint received 2023-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp. (WI)

I called professional collector corporation on XXXX XXXXXX/XX/XXXX and talked to a man named XXXX. XXXX told me that the medical for XXXXXXXX XXXX XXXX is a bill from XXXX and they dont have the bill. I asked XXXX to send me validation of this bill. XXXX said he cant because they dont have the bill and are not reporting it to the XXXX XXXX So who is reporting this bill to XXXX then? It says right on my credit report that its professional collector corporation. Professional collector corporation keeps adding on interest every time I make a complaint. Pcc is committing fraud by trying to collect on a bill that doesnt exist. This is my XXXX complaint to the cfpb. I even called XXXX and they said that I need to contact XXXXXXXX XXXX XXXX and get a copy of the bill. I said how do I get a bill that doesnt exist. XXXXXXXX XXXX XXXX sent me all of the bills but this bill is not in there. Also professional collector corporation tried taking XXXX bills and changed the date and the amount owed. Which I will show you that each bill was paid by my insurance company. You will also see that the pcc is committing fraud by changing these bills and putting different amounts what is owed to them and XXXX. You will see that the XXXX and pcc are both committing medical billing fraud. There is XXXX bill that they added over {$240.00} in interest in only about XXXX weeks time. Also I sent these papers to the Wisconsin department of financial institutions and dealt with XXXX XXXX and the XXXX XXXX XXXX. Pcc still has a business license so they must have gave them some kickback. The proof I have is undeniable. You will see my insurance company paid most of my bills by a contractual adjustment. Which means the insurance and provider have it to where the provider cant charge the patient the remaining balance and has to do it as a write off. XXXXXXXX XXXX XXXX and pcc need to be investigated for fraud.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (TX)

The account was closed after being paid in full. I called apple to confirm everything the account was settled and had no pending charges. Apple then charged a fee and didn't notify me until after 30 days. They sent a letter and the fee was paid over the phone. the late payment was reported to the credit bureaus and i believe it is retaliation over closing the account. i have tried to call apple multiple times and they were not helpful.
Consumer complaint received 2023-11-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (TX)

In XXXX or XXXX of XXXX, I decided to leave the US to travel abroad, due to social stresses and personal loss. I turned in all my equipment to XXXX XXXX XXXX XXXX in XXXX XXXX. I am a 100 % VA XXXX rated Veteran and had no previous issues with XXXX. However, they said I was missing a cable box, which was not true. My bill reflected all the equipment I rented. I showed this to XXXX and they told me that it was possible the installer could have incorrectly recorded an additional box. I rebutted if that were true, it would have reflected in my monthly bill. They said they'd look into it. I left the US totally debt-free. ZERO debt. I have been traveling outside the US, ever since XX/XX/XXXX. I am presently living in XXXX, XXXX. I had no clue the matter was still an issue until I saw a {$310.00} collections on my credit report from XXXX XXXX XXXX , XXXX in XXXX of XXXX for XXXX XXXX. It was the sole blemish on my credit. I disputed it and it was removed from all credit bureaus. However, the following year on XX/XX/XXXX, another collection agency, Berlin-Wheeler, KS reported me again for collections to the credit bureaus, almost 6 years after the fact. I do not owe this debt. I never did. Had this been something I owed, I'd have paid it immediately, especially since it is a small amount. I have no problems admitting to or paying a debt. If I had financial problems, I would have worked out a pay arrangement. I left the US, debt-free. Since then, I have searched several forums and reddit pages that show this is a common practice of claims that equipment was not returned upon termination of service, particularly when the customer is leaving the state. I don't know what to do at this point. Even if it's resolved in my favor, there is still the chance I'll contend with this same issue again next year. This is akin to being sentenced to 5 years in prison for a misdemeanor. I'd have paid {$310.00} if I owed it. I know I'll return some day and will need cable/internet service.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am a client of  SPS Financial a nd I am in the midst  of RMA process, I  have submitted all of   the information needed for the modificatio n ( P & Ls and On-Boarding S tatement from  XXXX ,   XXXX    County Office ). However, I requested to cancel a debit for {$2200.00} on my   account ; stating instead that I will send in my payments manually ( {$1100.00} is on account - {$1100.00} to be sent ASAP to complete the   XXXX    2017 p ayment ). However, I requested on    XXXX    .2017 to  cancel the {$2200.00} debit from SPS but to no avail ; they have debited by account twice (    XXXX .201   7   ) and t oday  (   XXXXX .2017  )  to the tune of {$60.00} in Overdraft Fees. Now, I have to go to my credit union and request another Fraud Alert and reversal on my bank account to reverse these fees.
I am in the midst of doubling my income by working for   XXXX -   XXXX   County 's Office    and as a  Notary Public but I need time to ramp-up my salary to make this happen. Right now, I am collecting CA UI and  need this due consideration from SPS.