davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (FL)

On XX/XX/- opened a collection. 
Account -- N/A stating that I owe {$460.00} I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 




I do not owe this debt to this collector and have not written consent. 
Please remove collection from my credit report.
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

I have a new VA mortgage  and the loan was assigned to a new company to service the loan, Newrez. I am trying to understand their process for setting up payments online, one-time and recurring, and explore how my wife and I can both make partial payments toward covering the full monthly amount. Their phone number does not work. I tried to engage with their support Chat on their website, which took an inordinate amount of time. The representative did not address my questions, but only told me the " easiest way to make a payment ''. They told me I could call in to make 2 partial payments, but their phone is NOT working! The only response I got from the Chat was to call a phone number that does not answer. It feels like this is not a real company nor are they responsive to questions and have no way for me to call and ask or discuss. This seems like a trap, forcing me to be unable to make a payment. I'd like to know how to change servicing companies, as the one I was assigned seems unable to respond to my questions in a clear way.
Consumer complaint received 2023-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

After my first class action lawsuits I filled out with CFPB. Sent paperwork that does not have the original signed copy I asked for they sent paperwork that Don't have my signature and the paperwork they sent has stuffed whited out and they only sent 2 of 3 items that is reported on my credit report. This is becoming and inconvenience to me and my credit I been dealing with this over a year so it needs to be removed off my credit report all 3 items and not added back I have sent certified copy 's and they are not doing what I have requested so now I am requesting money for the amount I paid for certified copy 's sent and my time dealing with portfolio recovery who has not done what was asked they are not the original owner of the accounts and they brought the accounts 3 party so no I don't owe them and I wanted off my credit report it is hurting me buy a home They are saying now that Portfolio Recovery Associates LLC now owns my account which this has been changed and now has started a new date on my credit report but been dealing with this for over a year all keep doing is selling this account over and over I am XXXX I can't get this taken care of
Consumer complaint received 2017-02-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Colony Brands, Inc. (OH)

This complaint is against the company Montgomery Ward which has extended tome a line of credit with a fixed payment amount. At the time of the problem my payment to them was XXXX dollars a month minimum. 

The basis of my complaint is that beginning on XX/XX/XXXX I was informed on the Montgomery Ward website that I owed them nothing. The payment amount which showed on the payment screen showed XXXX and the balance on the account was also XXXX. 

i checked this many times between then and today ( XX/XX/2017. Every time I logged on to my account i got the same information. 

They have tried insinuated but never clearly stated that this was a different account. Yet, it includes current information. 

Until I too my credit and debit card information off the account it had them posted even with updated information of recent changes to these cards. 

Please refer to support documents which verify the facts in this complaint. 

I will admit that the account numbers on the account did not match the ones on my bill which was sent in the mail. However, both accounts had the same information associated with them. 

The fact is that if the website says I owe nothing then I feel that I do not owe them anything. 

At this point I do not feel confident in allowing this company access to any of my personal information. They already have access to good portion of it. 

I have had to change bank accounts to avoid them having any of my banking information. 

This only a brief explanation of my complaint. I have provided a more detailed explanation with the support documents which accompany this complaint. 

Out of courtesy, i did send a letter to Montgomery Ward explaining my complaint. I never got a response on the letter nor even an acknowledgement of this problem. The letter I sent them is also included with the support documents.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: T.S. Holdings (IL)

I called XXXX on XX/XX/XXXXXXXX  in regards to a debt collection in my account in which I had disputed. I explained to the representative that I have a security freeze on my account in which I had on there since XX/XX/XXXX. So I was confused how someone was able to gain access to my credit report without me removing the freeze. The rep explained that because I had a fraud alert in my report he had to transfer me to the fraud department. After being transferred I explained the same situation to the new rep. He then explained to me that they do not validate debt and I quote these were his words. I then repeated what he said and he said yes. We dont get any contracts or anything elses from the creditor saying that the debt is valid. He said all we do is ask the creditor if the debt they listed is valid and if they say yes we inform you that the debt has been validated. I then expressed my disbelief and asked how would they know that the debt even belong to me. I also expressed that it was impossible for it to be mine as I had no dealings with this company before that was reporting the debt and that the debt being reported was from XX/XX/XXXX in which I had not open any accounts with anyone during that time. I also advised that I have a security freeze on my report. He then says well let me validate who you are so that I can access your report. I give him my Information and then he says he needs to ask a series of questions. He starts to ask questions that I am unfamiliar with as I have no association to any of the questions asked. He then claims he cant validate who I am and that I need to hang up and call back to speak to someone else to get new questions. Well I never called back and submitted a dispute in writing with a certified attached. Im saying this to say that XXXX has unfair dispute practices that allows creditors to put negative collections on your report without having to provide documentation that the debt belongs to you. XXXX at this very moment is costing me financial hardship and continues to do so after allowing XXXX  XXXX  to open credit in my name during a time that a fraud alert was put on my credit report. XXXX removed the XXXX  account but later allowed XXXX XXXXXXXX a collection agency put the same account on my report and claimed it was valid after I disputed it citing that the account was sold to XXXX XXXXXXXX XXXX XXXX Please dont allow XXXX to do this to anyone else and allow there reputation and credit to be harmed because they lack the dignity to verify collections before putting them on credit reports. I am requesting XXXX deletes accounts from XXXX XXXX  that were sold to XXXX XXXX XXXX and any other agency as well as these accounts from IQ international.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On Monday, XX/XX/year>, I reviewed my XXXX XXXX XXXX XXXX Credit Report. On XX/XX/year>, Captial One reported that my balance was {$24.00}. On XX/XX/XXXX, I paid {$24.00} online through my XXXX XXXX  Account. On XX/XX/XXXX, the payment ( XXXX ) posted to my XXXX XXXX  Account. My Capital One Balance owed on card XXXX is XXXX!!!!! As of Monday, XX/XX/XXXX, XXXX XXXX has FAILED to provide XXXX with my current account balance information. It has been 18 days since my payments posted to my account bringing my account balance to XXXX!!!!!. XXXX  updates my credit report weekly. 
On Monday, XX/XX/year>, I contacted Captial One at XXXX XXXX, I believe the representative 's name XXXX XXXX. I explained Capital One reported my account balance was {$24.00} ( date reported XX/XX/year> ) when in fact my account should reflect a XXXX!!!! Balance because the amount {$24.00} + {$0.00} was paid on XX/XX/year> and posted on XX/XX/year>. I demanded Captial One notify XXXX with my current balance of XXXX. It has been 18 days since the balance was paid, I demand my account reflect my current balance. This is NOT the first time I have encountered fair reporting practices with Capital One. Capital One blames XXXX for the lack of current information, when Captial One FAILS to provide XXXX with current information. XXXX can only report what information is received.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX / XXXX Email : XXXX DOB : XXXXXXXX  SSN : XXXX Driver 's License : XXXX Place of birth Idaho XX/XX/XXXX Capital One Customer Care XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Re : Application ID : XXXX Dear Capital One Customer Care Team, I am writing in response to your recent decision regarding my application for a credit card ( Application ID : XXXX ), dated XX/XX/XXXX. 

While I understand that my application was deemed incomplete or unverifiable, I would like to request further clarification on the specific information that may have led to this decision. I believe I provided all necessary details, and I would appreciate the opportunity to address any discrepancies or omissions. 

Here is my personal information for your reference and verification : 1. Full Name : XXXX XXXX 2. Date of Birth : XX/XX/XXXXXXXX  3. Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX 4. Email : XXXX 5. Phone Numbers : XXXX / XXXX 6. Social Security Number : XXXX 7. Driver 's License Number : XXXX Please provide me with a detailed explanation of the reasons for the denial, including any specific information that may not have been verified. I am also contacting the consumer reporting agencies mentioned in your letter to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I personally 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$270.00}
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/XXXXXXXX  I paid {$310.00} to XXXX XXXX for a festival and camping ticket to the XXXX XXXX XXXX XXXX XXXX using my Capital One credit card, which as supposed to be held XXXX XXXX XXXX. On XX/XX/XXXX, the organizers of this festival ( XXXX XXXX  ) " postponed the festival to XXXX and changed the location from South Carolina to Ohio, promising a refund upon request. I requested a refund, and the last communication I received from XXXX XXXX  was from XXXX XXXX on XX/XX/XXXX, promising a refund soon. I have not received this refund as of XX/XX/XXXX. I can not attend the festival in XXXX  and do not want tickets to this event. I paid for the event that was supposed to happen in XX/XX/XXXX, and because this event did not happen ( cancelled by the organizer, XXXX XXXX ), I would like a full refund. It's as simple as that. I paid for a service. I did not receive that service. I am still out {$310.00} over 6 months later with no updates in 4 months. I have records of all of this. 

When I called Capital One, they refused to charge back my card until I had spoken to the merchant to try to resolve my issue. Once the merchant did not resolve my issue, I sent all my documents to Capital One, who refused to charge back the illegitimate charge.
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

This is related to my 2 previous cases with CFPB. 

XX/XX/XXXX, transferred {$52000.00} from PayPal to XXXX XXXX ( XXXX XXXX ), via ACH transfer ( not via Wire ) XX/XX/XXXX, XXXX XXXX  shows the inbound transfer and interest began accruing XX/XX/XXXX, XXXX XXXX online interface shows a {$52000.00} Payment Reversal. 
From XX/XX/XXXX through XX/XX/XXXX, I have been contacting both banks repeatedly to find this lost money. 
Both banks verbally have been pointing the finger at each other I grabbed XXXX FDIC certificate number, and filed a case with XXXX ( email attached below ). 
Today, XX/XX/XXXX, Ive FINALLY received a response from XXXX XXXX ( XXXX attached ) XXXX XXXX claims PayPal did an ACH debit on XX/XX/XXXX for the full transaction amount. This was never authorized by me. 
As of today, PayPal still doesnt know where the money is. 

PayPal appears to be part of The XXXX XXXX, FDIC XXXX # XXXX XXXX XXXX responded to Office of the Comptroller of the Currency, Case Number XXXX on XX/XX/2023 XXXX XXXX claims in the attached document PayPal debited XXXX XXXX on XX/XX/XXXX, with transaction trace number XXXX.
Consumer complaint received 2023-05-30
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: U.S. BANCORP (CA)

See fraudulent inquiries on my credit report for companies XXXX ( XX/XX/2023 ), XXXX XXXX  ( XX/XX/2023 ), and XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX XXXX ( XX/XX/2023 ).
Consumer complaint received 2022-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX is trying to collect an alleged medical debt in my name and fail to respond to my mail asking them verify the debt. So I am here to file a formal cease and desist in which they will comply with as they ignored my request for for verification and not even a licenced collection agency in the State of Florida. Please see attached pdf
Consumer complaint received 2021-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

They keep running credit reports ( inquiries ) on my credit report which i did not authorizeXX/XX/XXXX i called them to file a complaint but they kept transferring me to different people and the last one did not answer by making all these inquiries they are ruining my credit score
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (OH)

I am disputing account number XXXXXXXX with XXXX XXXX XXXX for an amount of {$1900.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Consumer complaint received 2023-05-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

I have an FHA mortgage that is currently being serviced by Pennymac. Both my ex husband and myself are on the mortgage. When we were in the process of getting divorced in late 2018, I was told that I could assume the mortgage to have his name removed, and that the process would only take about six months. After our divorce was finalized in XXXX XXXX XXXX, I submitted all of the paperwork and documentation that was requested and paid the processing fee, but did not receive any response. I was given no direct line of communication so had no way of following up besides going through regular customer service. After several months, I was able to press operators hard enough to actually get contact information for their assumptions department. I made countless attempts to request information on the status of my assumption, but was only told that it was " in process ''. 

Fast forward to XXXX, I made more attempts to get an answer, and at that time was able to get a new contact in their assumptions department. This person placated me with more " we working on it '', with no actual movement. I backed off during the height of COVID, because I had enough else to worry about. Since then, however, I have tried to contact this person, and finally this spring ( XXXX ) have had some email communication with them. They requested me to re-submit all of the paperwork again ( which I did ). They have even charged me again for the processing fee and have indicated that they have emailed and XXXX XXXX me the final document that needs my and my ex husband 's signature. I have never received the documentation, despite confirming the proper addresses. I don't know what to do at this point because there is no way to find out who their supervisor is to go over their head to complete the assumption process. 

I am starting to suspect that this person 's sole purpose is to get me to give up, or perhaps they are just incompetent. Regardless, I would like to resolve this issue, since it is a stipulation of my divorce that I assume the loan and I've been working to do so for over five years.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (IL)

I currently have 2 cards with Barclays. A Rewards Mastercard and an XXXX XXXX Aviator MasterCard. 
Begining in 2022 I began noticing that information about my account was being changed on the web site. Phone numbers and addresses had been changed. I contacted Barclays about this, they said there was no problem. It must have been someont there that changed the information accidentally. All is good. 
Then I noticed a payment made on one of my accounts that I did not make. 
Called fraud division at Barclays, card canceled, new card on the way. 
Begining this year as soon as the new cards are issues, they are compromised. 
I can not access the web site since it is locked out. 
I have talked to many people at Barclays iincluding fraud and told them I only want statements mailed to my house and I will pay from them. Next day I get an email notification that all statements will be online. Now I can not access online, can't get through there terrible automated phone system since I do not have a current card, and I am not getting statements in the mail. Now they are hitting my credit reports.This goes on and on, and all I get is lip service from everyone I talk to
Consumer complaint received 2023-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

XXXX XXXX XXXX XXXX  at XXXX XXXX. XXXX XXXX XXXX Arizona sent a manufactured charge to collections after I moved out of the apartment I lived in XX/XX/2022. 
They have listed multiple utility charges for the month of XXXX even though I moved out on the XX/XX/XXXX as stated in the move out statement. 
On top of that there is a carpet cleaning charge that was initiated which they already have advertised in the beginning of the lease for 1 free carpet cleaning service which they have never performed. 
They have sent {$92.00} to a collection agency called NATIONAL CREDIT SYSTEMS INC. 
I would like to have XXXX XXXX XXXX to be investigated since they are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe there could millions of victims with such similar or same fraudulent & manufactured charges sent to collections. 
I also would like to ask for an investigation if there is any investor relationship between XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and National Credit systems Inc National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX, that both parties may be working together to defraud unsuspecting tenants of Millions of dollars every year.