davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

XXXX/XXXX  XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX/XXXX  XXXX Balance Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX/XXXX  XXXX Balance Owed : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX  XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 



XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

FAIR COLLECTIONS & OUT XXXX Balance Owed : {$4700.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX  XXXX  I XXXX Balance Owed : {$3400.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A. (MD)

I received a letter threatening a lawsuit from this company named.. 
( Peroutka , Miller , Klima & Peters , P.A . ). I have never done business with this organization and do not know who they are.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TX)

Since XXXX of 2020, I've been asking SunTrust for help with multiple account and BillPay issues. In response ( retaliation? ) for me pointing out how incredibly difficult and useless their 'customer service ' systems are, they opted to close my accounts. 
I have an open dispute with them for {$560.00}, there are multiple fees charged that need to be removed, and there was money in some of my accounts that they have not returned to me.
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Management Partners, LLC (SC)

I XXXX XXXX never entered into a consumer credit transaction with RMP SERVICES LLC. I was not expecting a bill on XX/XX/2021. On XX/XX/2021 they sent a bill thats a violation of 15 US Code 1692b. They also used obscene and threatening language that attacked my reputation and character in their correspondence to me. This is also a violation in accordance with 15 US Code 1692d. RMP SERVICES LLC did NOT provide me a HIPAA release form for this alleged debt to releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-02-18
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. (CA)

I have a open XXXX XXXX account on my Equifax credit report. Reporting and changing my score monthly. It is not mine. I have disputed multiple times. Every time I call the equifax dispute center, they just advise me to call XXXX XXXX. Well, XXXX  XXXX cant do anything about it because I dont have an account with them for them to look at. The account is showing open as of XX/XX/XXXX. The date today is XX/XX/XXXX. Equifax has been ruining my credit and sending me in circles all this time. Its an equifax error. Having me call XXXX  XXXX every time they drop my dispute does nothing. There is nothing XXXX XXXX can do for me, without having an account or ever having an account.
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Trans World Systems repeatedly calls trying to collect a XXXX XXXX bill for {$740.00} from XXXX. It is now XXXX. A XXXX XXXX XXXX debt that is not even my dept. I have never had XXXX XXXX. I have called and tried to speak to management but I am just getting over seas people hard to understand and refuse to do anything unless I give them my SS # and DOB. Which I will NOT! They can tell me what the dept they are calling for. I ask them if they are aware that is a XXXX XXXX XXXX dept and in Texas that is way past statute of limitations. But again they just tell me the calls will not stop and they will not do anything unless I give them my personal information.
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I see a collection on my account that is not mine and I had wrote an contacted XXXX  and they gave me a very hard time. I suspected it was fraud and the person who I have talked to on the phone acted as if he didnt care at all. I am trying to get the following account remove from my XXXX  account XXXX Credit report I.C. System, Inc ( creditor ) Account number- XXXX Collection Account Alleged balance- {$1200.00} Alleged date open - XXXX, XXXX
Consumer complaint received 2021-02-16
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. (FL)

I would like you to know that I am victim of identity theft. This is destroying me because I can not understand one thing- Why you guys do not check what you report? How that possible that I am a victim of identity theft and I need to write you and to beg you to remove wrong and somebody else items? For how long I have to wait in order to see my accounts in my report? I want to see my accounts in my credit report please I kindly ask you organize it, to check everything control your actions and to start reporting my information finally! Thank you
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AR)

CARDINAL HAS VIOLATED THE T.C.P.A. AND THE DODD FRANK ACT FOR THE LASTIME. 

SKIP TRACING FOR XXXX XXXX AND XXXX XXXX ETC..CALLING MY MOM AND DADS CELL NO ( XXXX ) XXXX AND ( XXXX ) XXXX 3 1 TIMES AFTER CEASE COMMUNICATION LETTER.
Consumer complaint received 2021-02-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (CA)

Dear CFPB, I obtained a private student loan through Wells Fargo in XXXX, account number XXXX XXXX in the amount of {$8500.00}. In addition, I had a co-signer, XXXX XXXX. 

In XXXX I filed for bankruptcy and this loan was listed. My bankruptcy was granted. Somehow, the loan was put into XXXX 's name. XXXX was a senior citizen and I feel she was pressured with unethical collection tactics by Wells Fargo when they contacted her during my bankruptcy process. 

The student loan payments have been debited from my checking account for years despite the loan being discharged. Irrespective of that, Wells Fargo will not put the loan back in my name even though they are being paid by me. This is causing XXXX a significant amount of upset as a senior citizen. 

To date, I have paid well over {$19000.00} on this loan and possibly already paid in full. Yet, apparently there is {$5000.00} owed which if the loan is even valid is an incorrect amount since the total loan amount is {$21000.00}. 

I feel that Wells Fargo should have written off this loan due to my bankruptcy. I am requesting your assistance in having the remainder of this loan waived, or seek recovery for money paid from XXXX to the present. I am attaching the Wells Fargo file, and my latest payment to Wells Fargo from my XXXX  XXXX XXXX checking account. 

I appreciate your time and assistance. I hope you can help me and XXXX. 

Many thanks, XXXX XXXX
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (OH)

I owe the original debtor, XXXX XXXX XXXX XXXX, ( 1 ) {$62.00} amount from XXXX or XXXX, not sure which year the original debt was created, but it is only one bill. Consumer Adjustment Co has listed the bill on my credit report sometime last year. I have NOT made a single payment to their company of any kind, yet they just made the debt NEW again on my credit report. They can not do that unless I have made a payment, which I have not. They had someone contact me, verbally and tell me that I owe them {$4000.00} or so. I told them I would pay on the XXXX of XXXX, XXXX. However, I have not paid thus far and will not being paying since they are trying to be fraudulent. They are trying to restate the original creditors name and double add one single debt to my credit report. It shows twice and they just made it new on the XXXX of XXXX. They did this through XXXX  Credit Bureau and I may seek legal counsel in the future.
Consumer complaint received 2017-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (VA)

XXXX would not honor an offer to credit {$50.00} back on purchase of {$250.00} or more at XXXX. The XXXX offer is titled XXXX XXXX XXXX XXXX Spend {$250.00} or more, Get {$50.00} Back. Click once on the offer in the XXXX app and the text above is repeated. It also mentions 'Multiple Locations '. The same page states, ' ... after you pay for your stay with XXXX XXXXXXXX XXXX XXXX from XXXXXX/XX/2017. Book directly with XXXX XXXX XXXX XXXX ... '. Still no mention of it applying to any specific brand only. The XXXX Rep stated it was for XXXX XXXX. 

No mention that XXXX is excluded as of yet. 

There is a map on the same page. It highlights XXXX locations in my current proximity. Neither of those highlighted are embassy suites. They are both XXXX branded. 

Only when I click on the full terms do I see any specific brands listed. It excludes every XXXX brand I can think of, XXXX XXXX too! 

Excludes XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX by XXXX, XXXX - XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX and XXXX XXXX XXXX. 

List of XXXX brands from their website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I had a XXXX collateral release transfer and it's on my credit report ... I didn't use this at all after XXXX XXXX then again I found out by requesting statements Every single payment to that card was an automatic payment so I should no late payments. i I'm seeing a past balance on one of my credit reports for XXXX and the account is closed. I have tried to contact Wells Fargo  to make sure I was not negative. I cant obtain my original checking account where I made the payments. My credit score for making on-time payments with wells Fargo was XXXX. I never received any letter from wells Fargo of any overdrawn account. I never went over-limit in the 4 years I had the card.
Consumer complaint received 2021-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery A at XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Consumer complaint received 2021-02-16
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. (MI)

XXXX XXXX XXXX-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations. 

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}
Consumer complaint received 2021-02-16
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)

Im a victim of identity theft theres 3 inquiries on my credit report that doesnt belong to me and for some reason its not being removed the company names are. XXXX, the next one is XXXX  XXXX and also XXXX XXXX. I have never requested any credit from those companies
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I received my credit report from the three bureaus and noticed a collection account that does not belong to me. The account is listed National Credit system for an amount of XXXX dollars. I disputed this debt with the credit bureaus and they claim to verify this debt but could not provide me the details as to how they were able to verify this debt. I also reached to the collection agency who reported this debt and requested what this debt is for, how did they determine the amount they said I owed, and to provide documentation as to where I agreed to pay such amount that is said that I owe. I requested this information from the collection company on XX/XX/XXXX and have not received a response. This company is in violation of the Fair Credit Practices Act and Fair debt Collection act.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Walla Walla (WA)

First call from Walla Walla Collection Bureau was on XX/XX/XXXX at XXXX, I asked them to identify themselves, they never gave their name, stated that I owed on multiple debts, I asked for the name and birthday on said debts, they gave me information that was not my identity, so I asked for supposed debts to be sent in writing by mail. I have never recieved any mailed confirmation. 

Second attempt from above company was on XX/XX/XXXX at XXXX, again I asked for confirmation of debts to be mailed, never recieved anything. 

Third attempt was on XX/XX/XXXX at XXXX, again asked for her to identify herself, never gave me her name. I again asked for the name and birthdate of the name on the collections she gave me a name of XXXX and birthdate of XXXX. I again stated that was not me and I was not even born yet, I wanted the supposed debts to be mailed to me to verify that I owe anything. I have yet to recieve anything from this company.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

I have requested that NJ Lenders identify who was paid from the XX/XX/2005 " refinancing '' for quite some time now and need this information ASAP because I am selling the house and certainly don't want to be paying the wrong party then sued by another party after the sale. 
I have been requesting that NJ Lenders identify who the payee was who deposited the {$130000.00} and send it back via the CFPB website. I has been established that XXXX XXXX XXXX XXXX was not the payee as NJ Lenders lead me to believe by sending me the mortgage stamped cancelled of record as proof of payment. I think it is only fair that NJ Lenders identify who the payee was who deposited the {$130000.00} that I have been paying back and in addition a lien was placed on my property as a result of the anonymous payee. I should be informed who the payee was who deposited the {$130000.00} loan since I have the responsibility of paying it back with interest and getting the lien removed.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

To whom this may concern, PayPal permanently closed my account because they said that I have violated their Acceptable Use Policy, specifically the sale of unapproved file sharing services and will not help me with getting it back up and going or even do anything about it on their end to make things clear and resolved. I am not sure if this is some mistake as I assume it has to be because I do not use nor do file sharing services. I have been doing business with Paypal for months and I'm not even doing anything wrong. No business is perfect and in times of chargeback or disputes, I give the full refund to the customer and make sure all cases are closed, so nothing wrong there. I have not been able to get help from them for months but I just remembered I could file a report here as I feel they are not doing their job properly and wouldn't even care to resolve things the right and just way and it is affecting me a great deal as I used PayPal daily for a long time now. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

I lost my position as a first-line worker due to a low census at my facility. I have a beautiful home with, with a wonderful dog. We all know its a terrible situation, and if someone can avoid me from losing our house Id appreciate it, so much.
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc (TX)

According to the State Licensing Requirements the debt collectors that is collecting on my debt for Professional Credit Management, using address XXXX  XXXX  XXXX, XXXX, Ar XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have attached a RELEASE OF LIABILITY for a XXXX XXXX XXXX that was in my name with Capital One Auto Finance on XX/XX/XXXX. On XX/XX/XXXX XXXX took over the contract
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I report the case to my bank and a credit was issues of the amount of {$1300.00}. Am amount was took out of my bank account through XXXX XXXX on XX/XX/2020 at XXXX with the amount of {$1300.00} from this individual $ XXXX, I try asking for my money to be sent back from that particular person but I was blocked and declined, so I report the issue to my bank which they credited my account with the amount {$1300.00} but later took the money out of my account because XXXX  and my bank can not reach an agreement after I told them I was scam or fraud. I also reach out to XXXX XXXX but they told me I should contact my bank which I did but still I was not been taking care off. And the fact is if XXXX XXXX can not provide my money because they are the third party my bank should because I report the case and they do absolutely nothing to take care of their customers.