davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (MA)

The collection agency, XXXX XXXX XXXX XXXX ( Professional Bureau of Collections of Maryland , Inc. ( PBCM ) collecting on the wrong loan. XXXX has three Perkins Loans, two from XXXX College and one from XXXX. The XXXX College Perkins Loan was sent by mistake to this collection agency by XXXX. XXXX already had a payment arrangement on this Perkins Loan. We went to XXXX College to find out why this collection agency had a XXXX College Perkins Loans. We went to XXXX after making several attempts to work out a payment plan, thinking the collection agency was being honest, saying they had the right loan. We sent all the materials requested, pay stubs, expenses, medical bills, everything they requested to XXXX. Followed up, asking if they had everything they need. Repeatedly contacted XXXX XXXX at XXXX XXXX, nothing, XXXX XXXX at XXXX XXXX, nothing. XXXX XXXX paycheck is now being garnished. Followed up with the collection agency again, resubmitted all the paperwork to them, this time through a new program, again nothing. When I finally got XXXX XXXX on the phone again, and challenged the loan, saying we had a payment arrangement on it, she insisted we didn't. We went to XXXX XXXX at XXXX College and explained all of this. After a couple of weeks, XXXX determined they had in fact sent the wrong loan to XXXX XXXX, and recalled it. XXXX XXXX is trying to collect on the wrong loan, attached XXXX XXXX pay stub. We are trying to resolve this, happy to make payment arrangements, but the wrong loan was sent to collections, ruined her credit, attached her pay. Creditor Account Number XXXX All we want is ecall the loan from the collection agency, back to XXXX, so we can set up a payment arrangement, update the credit, and IMMEDIATELY RELEASE THE LEVY. The IRS can do it instantly, XXXX XXXX said it takes five months.r
Consumer complaint received 2024-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account appearing on my credit report. The account in question has not reported the name on Equifax but it reports on XXXX XXXX XXXX XXXX XXXX but it reports the account number XXXX I have attached a copy of my credit report with the collection account. 

On XX/XX/2024, I contacted XXXX XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ) regarding this collection account. Subsequently, on XX/XX/2024, I received a response from XXXX XXXX XXXX acknowledging my inquiry and stating that they were investigating the matter. However, since then, I have not received any further communication or updates regarding the investigation. 

According to the Fair Credit Reporting Act ( FCRA ), creditors have 30 days to investigate and respond to disputes initiated by consumers. It has now been over 30 days since XXXX XXXX XXXX acknowledged my dispute, yet I have not received any resolution or verification of the debt as required by law. 

Furthermore, I would like to bring to your attention the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. This statute mandates that debt collectors must provide consumers with certain information within five days of initial communication, including the amount of the debt, the name of the creditor, and the consumer 's rights to dispute the debt. To date, I have not received any such communication from XXXX XXXX XXXX as required by law. 

Therefore, I am requesting that Equifax remove the disputed collection account from my credit report immediately due to the creditor 's violation of both the FCRA and the FDCPA. I expect a prompt investigation into this matter and a resolution within the legally mandated timeframe.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I always make my payment online the XXXX  of the month.  This previous Sunday, I received an email saying my credit line was being reduced to my balance.  When I logged in to my account with Citi, they said my payment had not been processed.  I said this could not be possible, I routinely do the same thing every single month.  I checked XXXX XXXX  and saw an addition to my balance which terrified me since I have been working to reduce my debt and only making payments.  I called and spoke with at least 4 different Citi card managers.  They told me that my credit limit reduction had nothing to do with my supposed late payment.  This obviously cannot be true because it happened at the exact same time.  I made an immediate payment and they refunded my late fee but said they would not change my credit limit.  They were extremely unprofessional.  I have been a client since 1998 and have never had any issues with my credit with Citi.  I don’t want my credit line restored for purchases, I simply know how badly this will impact my credit score.  I have called the credit bureau prepared to defend myself and score.  They encouraged me to contact this agency to let you know what has happened and how Citi is handling my situation.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUN LOAN COMPANY INC. (OK)

On XX/XX/XXXX someone open a account in my name I reported it as fraud XXXX they did not remove this account I dispute it before they close the account but never remove it from my credit bureaus. 

I have a old account from XX/XX/XXXX I dispute thats not off my credit report that wasnt me either
Consumer complaint received 2019-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (WI)

CBE Group keeps calling saying they are calling pertaining to a personal matter and want me to confirm the last four digits of my social. I refuse because i don't know why they are calling and they won't tell me until i confirm my social. I haven't received a letter from them and will not provide my info over the phone because i don't know if this is scam. I do not owe anyone so i believe this is a scam.
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (CT)

I received an email from Xoom as if I had an account with them. I never opened an account with them. I emailed them back several times and phoned them to inform them that I never open an account with them.

Their response Was we need to know the email you opened the account with and I told him I never opened the account. I Finally emailed them and told him the email I got the initial email from them and they said they would escalate it to verification. The verification emails I received from them said the same thing. I want them to close this account and they refused to do so and I consider this fraud Because I never open the account with them. Please contact them and tell them to closest account as I will do not want to do business with them.

This is one email from them. 

Xoom Dear XXXX XXXX, We're sorry, but the email address used to contact us is different than the one registered to your Xoom account.

Please send us an email from the address we have on file or contact us with questions and we'll be happy to assist you. 

Xoom Customer Service Security | Legal | Privacy | Privacy ( USA ) | About Us | Locations | Help Center This email has been sent by Xoom, a XXXX service. XXXX is committed to preventing fraudulent emails. 

Learn to identify phishing ref : XXXX : ref
Consumer complaint received 2019-12-17
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TX)

XXXX XXXX has violated the FCRA by RE-AGING accounts AND reporting misinformation to credit bureaus which affected my credit scores, my financial life and my family 's life for over 2 years now. 

Below are the inaccuracies which I have complained to credit bureaus about as well as XXXX and no one is taking this matter seriously. I have requested multiple times for them to prove this debt belongs to me and to correct my report and all I get is avoidance. 

Please see my credit reports as well as the items I have addressed with them below. 

XXXX XXXX XXXXYou are reporting that this account is a Charge Off and that there is a Balance and Past due amount of {$17000.00}? It can not be both. You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX is showing date last active is XX/XX/XXXX and date of last payment was XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal. 


XXXX XXXX AGAIN, with this account you are reporting that this account is a Charge Off and a Past due amount of {$15000.00}? It can not be both! You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX  is showing date last active is XX/XX/XXXX and date of last payment iss XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal.
Consumer complaint received 2019-12-17
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. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2017 purchase a battery operated handheld massage that supposed work with batteries I change the batteries several and not responding so I contact the XXXX Customer at XXXX claim that they was unable to help me and put in complaint with the full credit number and then I contact TD Bank Customer Service regarding disputing this charges since the business will not honor a exchange or refund on the product and the TD Bank Representative all said she unable to dispute the charge because it has been more than 60 days I explain to them and she aware that checking account is closed on the statement it indicate XXXX XXXX XXXX XXXX XXXX XXXX for {$180.00}. Why is that Fraudulent purchase can not be dispute is this legal and why is the full debt card number need for dispute when the bank should have all access to Banking Activity is this legal and please ensure that staff do not tell me and others that I will be wasting my time this is my money from my working and depositing in the Retirement this money was transfer from IRA Account and governing by Retirement Account Federal Regulation and the transaction with these account are be reviewed by United States Department of Treasury Internal Revenue Service please investigate this Bank and ensure that they operating according to United States Department of Treasury and United States Federal Regulation and then after informing they not going to be able file my dispute they transfer me to Recover and Charge Off for XXXX XXXX and she was not able help with pass account and Debt Card Number is this legal and the number I was transfer to XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

View attached 2 files, XXXX illegal credit activities, illegal mortgage activities, cooking be books activity. 

This information about this credit card is disputing accuracy of information or completeness, and with the criminal activities of XXXX make this company complicit in misbehavior. Needless to say very suspicious of this conviction with XXXX reflect in this card as illegal activity, who now is responsible for burden of proof? 

This is of grave concern, the allegation could lead to an independent claim and reference these similar convictions. 

Or you could remove this alleged debt that has subsequently already been paid 3 times now, is XXXX XXXX XXXX and should be removed.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (CA)

A XXXX  card was opened to my name, I did not apply nor use one and I keep getting calls of XXXX XXXXredit card every day. Also a wells fargo credit card i applied to in which i never received the credit card was used in which i keep getting calls of as well. There has also been XXXX accounts with my SSN, i tried to make an XXXX account & it said I had a profile already and i pressed to see what email was used to make it & it was a XXXX account, i dont have a yahoo email nor i made a affirm account. This has happened before when I was smaller someone was using my SSN to work at a Job which I wasnt aware that had happened until now.
Consumer complaint received 2019-12-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (CA)

On XX/XX/XXXX I received a Notice Of XXXX XXXX on my gate advising that my home, where I operate my XXXX Business would be up for sale on XX/XX/XXXX at XXXX XXXX by lender Statebridge and Trustee XXXX XXXX XXXX. When I called to inquire about this sale I was advised that this was a HELOC loan that originated in XXXX. On XX/XX/XXXX I was forced to file bankruptcy due to a dramatic decrease in my income as a result of government funding. In filing my bankruptcy, XXXX XXXX   XXXX was the original lender for my HELOC loan of {$130000.00}. It was my understanding that once I filed bankruptcy and received the charge off that I was no longer responsible for this debt. 

Fast forward eight years later I have a noticed of XXXX XXXX for a HELOC loan that was included in a bankruptcy. On XX/XX/XXXX I reached out to XXXX XXXX XXXX in writing and requested two items : one Reinstatement Figure, second Pay off Demand. On XX/XX/XXXX I received the Reinstatement Figure of {$100.00}, XXXX and Pay off Demand of {$200000.00}. I am perplexed by these numbers I have received and I wonder if the actions of lender Statebridge and Trustee XXXX XXXX XXXX are valid and legal.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer to privacy and confidentiality. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX A XXXX Account Number XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account number : XXXX 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 ) Sections 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 reports more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-17
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 (MA)

XX/XX/2019 I rented a car from XXXX XXXX XXXX. The rental agreement was XXXX. The salesman told me that this would be the total of the purchase. After I went home I noticed a {$250.00} dollar charge. I never agreed to this charge and was never told about this charge. Ive called Capital one several times and despite there zero fraud liability advertisements they refuse to remove this charge.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

First Point is reporting XXXX for XXXX XXXX XXXX and XXXX that just notes XXXX XXXX and I have not received any notice of this debt. I also sent a certified letter XX/XX/2021 requesting VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA of the debt being reported and did not receive a response within the allotted timeframe.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

On XX/XX/2021 the XXXX approved of me an XXXX XXXXXXXX XXXX for XXXX $ & another part for XXXX $ I went to the first horizon ( my bank ) to make a withdrawal.. 

The bank didnt touch my XXXX $ but when I got the XXXX it went through & was in my account it posted. 

I went to the teller trying to withdraw XXXX $ so I can put my deposit down for my XXXX store. I heard the teller on the phone with her XXXX. She personally flagged my account and they wouldnt release my funds till I gave them my tax returns & my business license. 

I gave them both of those things they requested my account is still negative. XXXX XXXX 

I feel discriminated because of my age and race! This is not right. I am looking for lawyers now because this whole situation is utterly ridiculous!!
Consumer complaint received 2019-12-17
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am filing an official complaint against the following business : XXXX XXXX XXXX ( XXXX ), Portfolio Recovery Associates, XXXX XXXX ( XXXX XXXX XXXX ) The reason for the complaint is : continued attempts to collect an alleged debt, and reported this alleged debt to credit bureaus, while having failed to honor my written request for validation of said debt. Most notably, they have failed to produce any documentation that I owed this debt at any point, such as a contract signed by me for a service previously rendered for a specified period. For the record, I assert that this claim of debt is entirely fraudulent, as such a document with my legitimate signature on it does not exist. I have attached the following pages for your review : on which I indicated my wish to dispute the debt. This was mailed back to XXXX and Portfolio via certified mail in the same envelope as my debt verification request letter on XXXX. -Copy of the debt verification letter I mailed to XXXX/ and Portfolio via certified mail on XXXX XXXXCopy of certified mail return receipt, proving that XXXX and Portfolio received my debt verification letter on XXXX
Consumer complaint received 2019-12-17
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. (TX)

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-12-17
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. (TX)

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.