davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meade & Associates, Inc. (OH)

I have requested that MEADE & ASSOCIATED stop calling my phone and mailing me letters over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and your own company management. I also the right to file suit against you for any future violations of this law. I will record all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: J J Marshall & Associates, Inc (PA)

I have disputed this debt because I do not know who JJ Marshall and Associates are, they are on my credit, I have never applied for or done business with them, and they sent me medical billing information. I believe this violates my rights according to HIPPA. I have also demanded several times that they stop calling me, to no avail. PLEASE HELP ME!
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-07
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 (NY)

Case # XXXX I received a rebill on XX/XX/XXXX {$32.00} from XXXX XXXX. 
Yes, XXXX received package but was opened and appliance did not work at all either due to mishandling or opening of package by XXXX XXXX   They also charged customs to add insult to injury I have pictures of damaged package XXXX XXXX  is notorious for losing packages, late delivery and mishandling " last mile ''
Consumer complaint received 2021-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-08-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

Us bank had block me from both of my accounts my checking account amount is {$1300.00} and my saving balance is $ XXXXthey said the reason they block me from my accounts is because there were deposits electronic deposits made into my checking account and the felt they were some kind of scam or money laundryingthis was 11 months ago some time in mid XXXX of 2020 in XXXX or XXXX I went to the bank and ask what was the status the teller told me that they are closing m y accounts and would be mailing me a check for the total amount in both accounts she also said it would be 2weeks before I would receive the check, well two week went by and still nothing so I called the branch and was told that they was not going to give me my money back that they were still investigating it and that they would be sending my money back to the debtors that was in XXXX well I call to see the status of the bal in both accounts and not only have they not closed my account but the money is still in my accounts they have had almost a year to investigated to see if there was any kind of money laundries or scamming being done they never sent the money back to the debtors and refuse to give me my money the have know proof that I or the debtors were pulling any scams and yet they insist on keeping my money from me in the time they had done this to me I lost my place of living because of what they did and I had direct deposits made from SSI And also a {$1400.00}. stimulus check I deposited in my savings account the debtors never deposited anything in my saving that was the money I had from both stimulus checks I had were deposited in my saving account they were rude and very unfair and refused to tell me anything about my account
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

TransUnion requested my credit card information when I created an account. I figured it was for credit score purposes but no instead they charged me $ XXXX  monthly for four months straights for a service I was initially told was a one time fee of {$4.00}. No where did they state they charged a monthly fee. It was extremely difficult to cancel the membership and I am so upset by their lack of transparency.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have attached accounts that are reporting inaccurate information to my credit bureaus and per the FCRA all information reported to my 3 credit bureaus should be accurate or deleted. I have attached all of th accounts reporting inaccurately with the highlighted inaccuracies.
Consumer complaint received 2021-08-06
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. (UT)

I have been sending letters to the bureaus. I have received no updates or letter from them regarding my credit. I have been disputing accounts for about 8 months and again nothing has happened. I will attach letters I sent over but there have been several more.
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX repeatedly calls me and my family members from a blocked number from XXXX on. This company has disclosed my debt to a family member and told them that I need to get a lawyer or else. Ive contacted XXXX XXXX and told them that I was not working for months at a time due to XXXX XXXX and needed to make arrangements.They called me blocked I told the agent that they are allowed to call blocked and he told me they can do as they please with an attitude. There is no reason why they should be calling blocked, harassing my family And, disclosing my debt with them.
Consumer complaint received 2021-08-07
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (NY)

Graduated and walked with graduating class at graduation and then received a letter a week later informing me of a mistake! Stating the school had me pay for and take a class unnecessarily taken to graduate! That I also still needed one other class to graduate and receive the degree I was told I had already completed requirements mandatory to complete! Was unable to return until the following semester to complete needed class and by that time I was informed I need 3x the amount I had previously needed! Never received degree and all the money and time that I spent my time putting into obtaining it!
Consumer complaint received 2021-08-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (TX)

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX of XXXX XXXX on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge is supposed to include insurance, but XXXX XXXX XXXX XXXX XXXX made me purchase insurance separately.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

During the pandemic I lost my job and was put on a payment plan for the past few months. They told me that they would not report late payments if it was not 40 days past due. I made all my payments before the XXXX of the month according to my prior payment plans. They assured they do not report late payments. They reported for late payments suddenly on my account when they were marked as current before. This company is known to tamper with credit reporting.I called the company and they said my payment date suddenly changed to the seventh of the month. I asked her about my payment plan she said she no longer sees a payment plan in the system. This company is such a fraud. Ive been paying almost {$500.00} a month for a vehicle that hasnt been on the road for over a year and a half now. I am a single mom of XXXX kids and Im trying to get a mortgage approval and this is the only thing that is stopping me otherwise I had excellent credit.
Consumer complaint received 2021-08-06
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)

Hello, I want to explain you the situation happened with me. 

I have account in credit report that is not mine. My report was brilliant until the day when bureaus, because of their poor reporting, put this account into my profile. This account is incorrect and not mine. So I ask you to take appropriate actions and apply investigation because it seems like Identity theft case. So I ask you to remove this item as soon as possible. 

Account number is below : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC (CA)

Dear XXXX Team, I have a mortgage with Citadel Servicing Corporation. 
Due to an error within Citadel, after they changed their servicing company earlier this year, I have problems with my payback contract. 
I am in daily contact with Mr XXXX XXXX from Loss Mitigation, Mr XXXX XXXX from Customer Resolution Specialist, and their collections department. 
To my surprise, I received a certified letter today saying that Citadel has tried to contact me on 3 different occasions unsuccessfully. 
This is absolutely incorrect. 
It seems that Citadel is extremely unorganized and I am scared of losing my home due to their unprofessionalism. 
Please help me resolve all my challenges with this mortgage lender. 
Thank you very much. 
With best wishes, XXXX XXXX
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-08-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (MD)

For several months I have been getting mail from the fhabenefits.info company with JFQ lending on the page, I will recieve about 4-5 every 2 weeks saying the same thing. When I call I am always hassaled with them trying to get me to go with thier sales pitch. I've asked many times to please just stop mailing me. I now have multiple letters stacked up all saying the same thing and dated weeks apart. Please stop this!
Consumer complaint received 2021-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

Received Collection Letter on XXXX from Capio Partners, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. Capio offered to SETTLE XXXX XXXX XXXX medical debt dated XXXX for {$380.00} ( 40 % off original debt of {$630.00} ). 

I immediately accepted the offer and paid the {$380.00} on XXXX via Capio 's online payment system ( {$280.00} via Personal Credit Card and {$100.00} via XXXX Visa Debit card ). 

10 months later on XXXX, I received another letter from Capio about the same debt, attempting to collect the additional {$250.00} ( {$680.00} less {$380.00} ), even though we had mutually agreed that the debt was settled for {$380.00}. 

On XXXX, I mailed a U.S. Postal Service Certified Mail Receipt letter to Capio, explaining that I do not owe this debt and that they must cease collection efforts until they provide written proof of the debt per the FDCPA. I received no such documentation. 

On XXXX, I received another collection letter from Capio, again attempting to collect the same {$250.00} that was settled in XX/XX/2020.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Capital One credit card account was removed from credit file back in XXXX of XXXX in error. Capitol One has reinserted the account to all three credit bureaus XXXX XXXX and XXXX is the only credit file that my account is not reporting to. This continues to go back and forth Capital One says contact XXXX XXXX says contact Capital One credit card services this makes no since I am the consumer I have been paying a bill for a credit card account that does not reflect my credit that is in good standing. I need assistance with this issue.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, 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. (CA)

There is an inquiry on my credit report from XXXX. on XX/XX/2021. I did not apply for any credit and. would like this removed. I have been a victim of XXXX  and XXXX. 

XXXX XXXX
Consumer complaint received 2021-08-07
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. (TX)

I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that don't belong to me or I never authorized. I notified my family lawyer and he instructed me to file a complaint with the CFPB 1st. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX/XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX. Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also on my personal information my Address is : XXXX XXXX XXXX XXXX, Texas XXXX and my Employment is XXXX XXXX XXXX XXXX XXXX. Please correct my information, none of the other personal information applies to me.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

XX/XX/2019, I spoke with a representative who stated that he was filing my dispute with a merchant for the amount of {$230.00}. I received a notice on my account that the dispute was filed ; however, when I went into the PayPal Dispute there was no case filed for dispute. It appears that PayPal is not processing my dispute for this merchant as promised and is indicated on the menu of the merchant. PayPal is providing misleading information. Also the fax number given to file a dispute does not work. This is the second time this has happened with PayPal.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

Approx. XX/XX/21 Rec 'd billing statement for a credit card I don't have. Called card company to open a fraud claim. They told me it was resolved. Rec 'd a delinquency notice. Called card company again. Said it was resolved again. XX/XX/21 Rec 'd notice they issued me a new card with a new card #. Did not receive a card, however. Spoke with XXXX at Synchrony Fraud Dept. Was told original fraud claim was denied. Did not receive anything from bank stating this. Was assured this was taken care of. XX/XX/21 Rec 'd a card in the mail with a new # ( this makes 3 ). Called fraud # again. Was told fraud claim was denied again. Didn't receive notification about this one either. Was told it would take another 30 days to resolve this.
Consumer complaint received 2021-07-30
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: American First Finance, Inc. (FL)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER FST FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (TN)

This account is closed and I called Equifax to get it removed since it's closed and horribly effecting my credit. When asked to remove, they refused, so I asked for them to send me my documents for that account, and they wouldn't respond.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have specifically asked XXXX, XXXX, and transunion to delete all information that is not correct. I have requested that they only have my legal name ( XXXX XXXX ) my legal address ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) and my legal date of birth ( XX/XX/1981 ) There seems to be multiple different names, and different addresses on my credit report. They have not removed them, and it is not legal to have the incorrect information. 

Thank you for taking care of this. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-06
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: WELLS FARGO & COMPANY (MA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2
Consumer complaint received 2021-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (OH)

I set a payment plan with XXXX XXXX on an acct I have and they take it amount not a medically eight month out of my checking acct I have tried and tried to contact them about the payments they take out I have called for times XX/XX/30 XXXX XXXX and XXXX I cant reach anyone I have set on hold 20-30 min I have left 3 messages for a return call XX/XX/30 XXXX XXXX and I leave my nAme number ss # and never hear back from anyone I just have questions about my payments I am trying to get a balance and a print out of my payments made for my records I never even received a letter showing my payment plan this is an issue because if they can take my money they should provide me the documentation I am asking for