davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (CA)

I received a letter on XXXX/XXXX/16 from wells fargo offering a settlement of a charge that was already written off. I 'd like to correct this and I called into the number shown, asked for the names on letter and was only given the chance to speak with a XXXX XXXX. On a recorded line I continued to discuss letter and offer immediate payment in the amount of {$3000.00} ( amount shown on letter. The next day ( today ) i see that the amount taken from my account is {$3800.00}. I immediately called today and was hung up on by an XXXX - called back reached XXXX and transferred to XXXX XXXX. He asked for proof of this letter and prove of the incorrect payment and he would TRYXXXX to have a refund for me and reply to my email. Now another person by the name of XXXX XXXX called me demanding this payment stating who did I speak with and I should only have spoken with him. then transferred back to XXXX who said they do not show my payment. I feel very frustrated and this is causing vast amounts of XXXX, and finding my other payments pending out. I really need assistance and this seems totally illegal and more than a accident.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

my id was stolen and a capital one account was opened and i didn't do it and my credit score is so low i cant get a care for my self as am XXXX and i really want XXXX i keep getting mail that a account was opened that i never did
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (OK)

once again collector FAILED TO VALIDATE DEBT, THIS WAS OLD XXXX  POLICY PAID AND HAVE NEW POLICY ATTACHED. THEY KEEP CALLING MY MOM AND DADS CELL 22 TIMESS AND HAVE PROOF FOR LAWSUIT. CEASE AND DESIST COLEECTGION AND CEASE CALLING
Consumer complaint received 2023-05-23
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)

This is my fourth 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 alleged fraud or extortion. 
XXXXXXXX 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 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 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 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 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 2023-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc. (NY)

In XXXX I called to find out what was the collection for. Explained to them that they are reporting the same debt multiple times. That can the send me some information about the debt because I had no idea about. The lady to me that they arent taking it off until I pay they dont care if it illegally to report false information. Then a couple of weeks later they deleted to collections accounts but not the last 1. I called multiple times. I just would like to get this fixed. Because the reporting is damaging my credit and has been for years. I would like it all removed. Its causing a lot of problems with my credit.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MI)

My personal card was recently closed. My business card was behind and I had called to set up payments, which I did. A week later, after my payment plan was set up, my personal card was closed. I called back and they said they could submit my account for reinstatement, and that I should make a payment. I made a payment and immediately called back. Another person answered and said what the other person told me was not true. They moved me to a supervisor and the supervisor said that it was possible to be resubmitted for reinstatement. Told me to call back Monday. I called back Tuesday and the supervisor told me it was NOT possible and that they cant find information from who I spoke with AND they could not pull the call AND there was nothing they could do.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Neon Newco Corporation (CA)

XX/XX/XXXX I called NetSpend to update my account and they didi logged in my account they let me withdraw XXXX $ then they closed my account told me to send documents I did 7 times they still closed my account and won't give me my remaining balance
Consumer complaint received 2017-05-10
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. (GA)

I sent the reporting agency a letter on  XXXX / XXXX / XXXX  then again on  XXXX / XXXX / XXXX  and finally another letter on  XXXX / XXXX / XXXX . They have not responded to my request with the required 45 day time.
Consumer complaint received 2015-06-02
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Debt Holdings, LLC (ID)

I received a call from XXXX this person left a voicemail stating I had an outstanding debt with XXXX. He provided my birth date and the last XXXX of my SSI number. He said I needed to return the call or he would be taking legal action with the State of Idaho. 

His exact words were " Summons for the state of Idaho for theft of services-check fraud. You can contact the party directly to clear this up '' and left the number above. 

That same day about XXXX minutes after I received this call my mother received a call. He told my mother his name was XXXX XXXX with the Idaho XXXX and that he was looking for me. He went on to say that I had a warrant out for my arrest and that it would be embarrassing if he had to pick me up at work. He gave my mother and name and number ( number listed above ) and told her I could resolve this by contacting that number. 

I called the warrants department in Idaho. I do not have a warrant out for my arrest. Also I did take a loan from XXXX several years ago. To my knowledge this was included in my bankruptcy. Regardless, this company is threatening and falsely representing itself. 

When you call the number above they refuse to provide any information about the so called officer or " the account '' but want you to settle by giving them a debit card number.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/2023 I mailed a certified letter to Navy Federal. The certified letter was picked up on XX/XX/2023 at XXXXXXXX XXXX the tracking number ( XXXX XXXX XXXX XXXX XXXX ). I informed them about the inaccurate being reported. It's the same account being reported two times on my consumer report. I have asked them to investigate, correct and delete the inaccurate accounts. Navy Federal continue to send the information back as verified. I sent them copies of my XXXX consumer reports showing they are the same account. I asked them to send contracts I signed with my signature, I have not received any correspondence from them. I called Navy Federal about this problem and was told to dispute it with the Consumer agencies. I told them they have to correct the information first. I could not get any help from them. I asked for the PROCEDURE how they investigated, I want the opt- out disclosures. I requested all correspondence be mailed to my address. Navy Federal has not sent me any correspondence. The two accounts have a balance of {$9300.00}, same open date XXXX XXXX acct # XXXX and acct XXXX XXXX These accounts are not being verified some need to be held accountable for not correcting the information. Other accounts XXXX opened XXXX for {$8300.00} and account # XXXX opened XXXX for {$6400.00} being reported as charge off. Delete these accounts. Charge off are not to be included on your consumer report.
Consumer complaint received 2023-05-22
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: SYNCHRONY FINANCIAL (TX)

The account was closed due to non usage and Ive called to pay off account t since how can you report late a closed account that you all closed for no usage then state Im late on a closed account t when I was never notified that you all closed this PayPal refit account. All three credit bureaus star different dates and times of this so called late payment on a closed account
Consumer complaint received 2023-05-18
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. (NY)

I am a victim of identity theft. My personal information was compromised in several data breaches and my name has been sold over and over again on the dark web. I am pleading for help from the CFPB because I can not have any progress with Trans Union in handling my dispute of 2 accounts that were opened by someone who stole my identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent in a police report as well as an FTC Identity Theft Report and yet Trans Union continues to report those items on my credit report in clear violation of numerous FCRA regulations.
Consumer complaint received 2017-05-10
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. (LA)

I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting docume nts.    XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH   XXXX    AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS
Consumer complaint received 2023-05-23
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. (FL)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB is saying they have processed my previous complaints before. With my complaint last XX/XX/2023 and my complaint now. I am hoping that ALL fraudulent items on my credit report will be REMOVED. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MO)

This company ( XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$610.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2016-08-12
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

My wife and I purchased a home and applied for a mortgage with Peoples United Bank. At the outset, I told them weIhad a long dated purchase contract which gave us 120 days to close and I did n't want to begin the loan application process immediately for I knew the rate lock would be an issue and that I intended to sell my current residence but wanted them to consider the new loan without requiring me to sell the existing home as a condition. I had ample assets to satisfy the loan application without selling my current home. 
Peoples immediately pulled a credit inquiry report in XXXX which I asked them not to do since I had n't wanted to start the loan process ( I was also travelling for work and out of the XXXX for a month ). As 30 days expired from when the credit inquiry was pulled, I then commenced the process and they pulled a second credit inquiry report. When they finally issued a commitment it required me to sell home and given the market conditions I was unable to do this. Then the loan officer suggested I take out a home equity loan which I applied for with the understanding I needed to have it closed by XXXX XXXX and yet another credit inquiry report was pulled. Peoples failed to deliver the commitment by the needed date and further knowing that my home was for sale required me to repay nearly {$5000.00} in costs if I sold the house within two years. They knew this made no economic sense yet ( and asked me to apply for the HELOC ) given the house was for sale. So not only did they fail to meet the XXXX XXXX timeframe they also offered me XXXX loan products which made no sense. And with XXXX credit inquiry reports my credit score was lowered by about XXXX points! It is the credit score reduction which i seek redress, I am XXXX XXXX XXXX and have paid every bill in my lifetime on time. I am proud of my strong credit history and want to be compensated or have the inquiries removed. Obviously they additionally failed to provide me with a mortgage product which I could use but I do n't believe I have a valid complaint for that as they are within their right to place conditions. Finally, it was never disclosed to me by Peoples United the negative impact to my credit score for the XXXX inquiries and this is fundamental to my complaint.
Consumer complaint received 2023-05-22
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: Bread Financial Holdings, Inc. (MS)

I do not recognize how this account is reporting on my credit report. I don't recognize the account number, I don't recognize the account status, I don't recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here doesn't meet the FCRA.

15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent noncompliance 15 USC code 1681e compliance procedures
Consumer complaint received 2016-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Northeast Recovery Solutions, LLC (GA)

I received a voicemail message on XXXX XXXX, 2016. The message stated that the caller was calling in reference to a complaint pending against me in XXXX XXXX. The caller stated my name and left a call back number. The caller also contacted XXXX family members on this day leaving the same message. On XXXX/XXXX/2016 the caller contacted another family member with the same message and called me. I answered the call which was a recording and then called the call back number. Upon speaking to a male representative, I verified my name and asked to have my number and family member 's number 's removed from the call list. The representative stated that I was upset that the company had called my family and needed to stop running from the situation. I continued to insist that our numbers were removed and the representative hung up. I called back and spoke to another representative, XXXX XXXX. I again requested to have our phone numbers removed and was told that I was not able to do have them removed and that I was " not in control '' of the situation. The representative, XXXX XXXX, proceeded to tell me that I owed money that needed to be paid. I explained that I was aware of my rights to have my number and family members number removed. The representative became noticeably upset called me a " thief '' and hung up the phone.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I found out my identity had been stolen. Someone used my social security number to open a Pay Pal World Master Card. I reported it to Synchony bank, all 3 credit monitoring businesses, made a police report. Synchony keeps calling. The last call was yesterday, XX/XX/2023 saying they had closed the fraudulent account & were opening a new account & want me to make a payment. This is ridiculous.
Consumer complaint received 2024-03-23
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. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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


Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Credit determination — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I applied for a credit card with USAA and I was declined despite having a XXXX XXXX Score over XXXX at the time of applying. 

Each and every time I 've contacted USAA they seem to be giving me XXXX different answers. 

1. The most recent response per the attached letter states that " we were unable to verify your identy '' being the reason for decline. 

2. They told me that there was a carpayment from XXXX, per XXXX that was being reported as {$4500.00} per month and that this was offsetting my debt to income ratio. I contacted XXXX and they were infact reporting false information and have corrected the information, I sent the attached letter from XXXX to USAA to reconsider and the refused. 

3. Various other semantic answers per recorded conversation, which can be provided upon request if need be.
Consumer complaint received 2016-11-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Porsche Financial Services, Inc. (CA)

Porsche Financial Services sent me a letter stating direct payment has been setup on XXXX 2016 which stated that the starting date is XXXX/XXXX/16. on XXXX/XXXX/16 I got a call that I 'm late 60 days. I sent their letter of confirmation to the email address they provided, XXXXXXXXXXXX and verified they received it while I was on the phone with them. Today I got a notice from credit reporting bureau that Porsche Financial Services reported 30 days overdue on my credit. This is unacceptable. I 've been trying to setup a direct payment since XXXX. They have extreme level of limitations and very inconvenient. Their technology is extremely behind and the consumers have to suffer. Ridiculous.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX is reporting a 30 and 60 days late. This information is inaccurate, as XXXX and Experian are reporting late in months XXXX 2023 and XXXX 2023 and XXXX is reporting XXXX and XXXX 2023. I have provide the bureaus with a letter of proof from XXXX, advising the tradeline is incorrect but the bureaus refuse to update.