davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-01
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: EQUIFAX, INC. (NJ)

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX/XXXX  XXXX, $ XXXX-XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX-XX/XX/XXXX, 3. XXXX XXXX $ XXXX-XX/XX/XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection.

Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , Equifax , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, Equifax and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, Equifax and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

I have no online access to this account. I do not have the XXXX credit card, therefore, I can not set up an online account without the account number. I requested a new card two months ago and never received one. This past month I had XXXX when the bill was due and without online access, I could not pay the bill meanwhile XXXX charged me a {$40.00} late fee that they refuse to waive.
Consumer complaint received 2021-08-02
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: NAVY FEDERAL CREDIT UNION (GA)

ON XX/XX/2021 i filed a CFPB complain with the complaint number XXXX because navy federal credit union reported a late payment which was in violation of the covid-19 forbearance program regulations fortunately navy federal corrected my credit report. This morning i woke up to another late payment being reported to the credit bureaus what pains me so much is i manage to gather money and pay off the remainder of the loan i was so relieved when i did that only a couple of days later for navy federal to report a late payment on the paid off loan i am really disgusted about this i thought navy federal treats their customers well i have told so many people about navy federal and how great this bank is only for this to happen to be today i am beyond disgusted with this bank. I have several products with this bank including a business account shame on you. I need the late payment removed from my credit report please immediately. you guys say your mission is to always put members first so prove it
Consumer complaint received 2021-08-02
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. (LA)

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only I Recently Seen a False Collection from a company I never heard of. Also I do not have a contract with this company and they do not have a license to collect in my state I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. 

I am not liable for the debt with
Consumer complaint received 2019-12-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WHEELS FINANCIAL GROUP, LLC. (AZ)

This account was opened without my knowledge. It is now a growing account started at {$2000.00} and is now up to {$18000.00}. I called company requested any info and the refused telling me that no info can be given to me since I claimed it to a fraudulent account, and I was hung up on. Every month this company since 2014 has reopened in credit report and has added a {$240.00} charge making balance in credit report sky high.
Consumer complaint received 2021-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (SC)

I received communication dated XX/XX/2021 congratulating on opening a checking account with Comerica Bank. I also received copies of sample checks and deposit slips with an account number. Upon receiving this letter, I immediately contacted their office and said I never opened up any account with them. I was told someone would contact me within 24 to 48 hours. I did not get a return call. I called again and they transferred me to their fraud division and left a voice mail for XXXX XXXX XXXX XXXX x XXXX. I was told that the account was closed. Again, 2 days later still no return call. I called again, left another message. His voice mail just keeps saying hes in the office but said if he wasnt there and for immediate attention to call XXXX XXXX XXXX XXXX x XXXX. I contacted her and again received voice mail which stated for immediate assistance contact XXXX. 

On Saturday, XX/XX/2021, I received Your Comerica Access Checking Statement. 

I believe both of these individuals who do not return calls, are part of this scam. This has gone on for too long now. Im asking for your intervention.
Consumer complaint received 2021-07-29
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Loan care failed to make my hazard payment ( for the second time ) and now their trying to force place their own much more expensive insurance and are trying to charge me {$95.00} per month for every month I was uninsured! I've spent hours on the phone trying to resolve this and have spoken to multiple customer service reps and have gotten a different response from them all. Loan care is blaming the insurance company. The payment just wasn't made! I have my annual tax statement from loan care that states {$0.00} was paid to hazard insurance! Why??
Consumer complaint received 2021-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Recovery Systems, Inc. (MS)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Floowood XXXX XXXX Sirs or Madam, I sent a debt validation letter x2 on the following dates XX/XX/2021, and XX/XX/2021 each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please cease all collections activities immediately.
Consumer complaint received 2021-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE
Consumer complaint received 2021-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XX/XX/2021 I have been trying to dispute XXXX, XXXX and XXXX XXXX with all 3 credit bureaus. I have requested for the bureaus to send me proof of their verification with documentation. XXXX the original creditor nor Vehicle Solutions HAS NOT been investigated AT ALL since XXXX ; therefore the bureaus has disregarding my rights as a consumer and have passed the timeframe allowed of 30-45 calendar days to complete an investigation. The bureaus has even passed the 60 day timeframe after numerous request for verification. I have also informed the bureaus in recent disputes that they are reporting incorrect last active dates for XXXX and XXXX which has caused this account to re-age which is a HUGE violation for FCRA and FCDPA. I would think that bureaus would have more respect me as a consumer and had completed these investigations. The burden of proof is on the Bureaus. Being that XXXX nor XXXXXXXX XXXX were never verified by the bureaus I am requesting permanent deletion from my credit profile. XXXX  please DO NOT send me back a generic response of which you are known for stating that you need authorization. Please consider this my written authorization for this complaint as well I have attached a copy of my proof of identification. You have stalled and prolonged of enough time and if this is not handled I will have to take matters further and get a consumer attorney and file a complaint with FTC as well. I keep excellent records so please do not disregard this complaint. 

Thank You
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This is in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX XXXX regarding the XXXX debt that we acquired in their name, which is now associated with XXXX Reference # XXXX. In an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus delete our tradeline. Please allow sufficient time for updates to be reflected on XXXX XXXX XXXX 's credit report. Thank you for the opportunity to respond. 

I am writing to you regarding the recent admission made by XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX XXXX '' ), a furnisher of information to your agency, regarding their wrongful actions in reporting derogatory information related to a XXXX debt associated with my name, XXXX XXXX XXXX. 

In their correspondence with the Consumer Financial Protection Bureau, XXXX XXXX confessed to violating my rights by improperly reporting and attempting to collect on this debt. As a result of their admission, they have terminated collection efforts on the debt and have requested the deletion of their tradeline associated with my name from all major credit bureaus, including yours. 

The actions of XXXX XXXX have not only caused me undue stress and inconvenience but have also severely impacted my financial well-being. The derogatory information reported by XXXX XXXX has adversely affected my credit standing, resulting in denied credit applications, higher interest rates, and other financial hardships. 

As a consumer reporting agency, you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information you report. By failing to properly vet and verify the information provided by XXXX XXXX, you have contributed to the harm inflicted upon me. 

Therefore, I demand the following remedies from your agency : Immediate and permanent deletion of any derogatory information related to the XXXX debt and XXXX XXXX 's collection efforts from my credit report. 
A written confirmation, within 14 days of receipt of this letter, that the requested deletions have been made. 
Compensation in the amount of {$1000.00} for each violation of my rights under the FCRA, totaling [ 5 ] violations. 
An apology letter acknowledging the harm caused by your agency 's failure to ensure the accuracy and fairness of the information reported. 
Failure to comply with these demands within the stipulated timeframe will leave me no choice but to pursue further legal action against your agency for the damages incurred. This may include filing complaints with regulatory authorities and pursuing civil litigation to seek appropriate remedies and compensation.
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MN)

I operate an account for a nonprofit that helps fight veteran XXXX and suicide on PayPal. On XX/XX/2021 we received a donation from an individual who had conducted a legal raffle of a custom-made duck call. He conducted this raffle on his own, he's unaffiliated with our organization, and he did not use PayPal to conduct the raffle. He simply donated the proceeds to our organization to help in the fight against veteran XXXX and XXXX  and to signify who the donation was received from he put " duck call raffle '' in the comments on the donation. 

Out of the blue on XX/XX/2021 we received a notification that we were no longer allowed to use PayPal services because a " review '' had determined we had " violated the user agreement. '' It further stated that we were not allowed to access our funds, remove our funds, or transfer our funds until they decided to contact us in 180 days. I was confused and disheartened as we had not done anything to warrant this, and now our team was stuck without all the money we worked hard to raise for our cause for the next 180 days without anyone even offering us an explanation. 

I quickly learned that the system had flagged the word " raffle '' in the comments on that individual 's donation and that's what led to the ban. I figured this would be easy to explain and remedie, but boy was I wrong. I tried calling several times, yet no matter what time of day it was or what day it was I received " no agents available, call back during business hours '' messages. I tried virtual communication through their chat service and got nothing but " no agents available, try back during business hours '' messages. I tried sending emails, and got no reply. Finally I tried contacting customer service through my personal account and quickly reached someone. 

I went through dozens of representatives who gave me the gamut of directing me to the FAQ page to telling me that I had to contact them using the affected account. One agent even called me and allowed me to explain, said that she understood, and that my account would be unlocked in 48-72 hours. Yet, a week later, still locked. I have tried and tried and tried but PayPal refuses to give any avenues for remediation of the supposed violation of their user agreement, they've illegally seized all of the money our organization had raised, and expect us to operate without it for 180 days. Furthermore, their very own message says that we can refund the transactions, yet if you try it says that it can't be done. They've effectively just stolen our money. 

After a short investigation, I've found dozens of other people who have been victimized by this company in the same fashion. PLEASE don't let them get away with this!
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I submitted a complaint to you ( complaint # XXXX ), because Bank of America refused to close my credit card account. I have paid them in full and even had a credit balance ; sent them a letter then contacted you.

After submitting my complaint to you, I received a letter from Bank of America, ( dated XX/XX/2021 ), stating that my account ending in XXXX had been closed. 

Additionally, I received an email from you advising me that the case had been resolved and closed. It appears that it has NOT been resolved. 

On XX/XX/2021, I received a statement from them wherein, the not only took my credit balance, but advised me of upcoming service fees AND late fee penalties, if the service fees were not paid!!

They apparently HAVE NOT CLOSED MY ACCOUNT.

Can you Please assist me in getting BOA to close my credit card account, as I no longer wish to have this credit card account open.
Consumer complaint received 2021-08-01
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. (NJ)

This account is currently under dispute Account info Account name XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$270.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$340.00} Terms NA this has been going on for 8 months all others removed it but Experian
Consumer complaint received 2021-08-01
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: LD Holdings Group, LLC (FL)

Based on case # XXXX, Loandepot documented that it's company had made a system error by reporting to all three credit agencies negatively impacting my credit. To this date, all three credit bureaus have not received all correct information and are still reflecting negative credit. I have already been denied credit due to the erroneous error on Loandepot 's system behave and has caused me over thousands of dollars of credit. 
.
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

I sent letters to Equifax Credit Bureau on the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : Medical ) XXXXBalance : {$170.00} ( Original Creditor : Medical ) XXXXBalance : {$140.00}
Consumer complaint received 2021-08-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have communicated on several instances with the Equifax bureau. I have sent disputes on two different occasions. These are the confirmation numbers that I received once my documents were received. Confirmation : XXXX, XXXX, XXXX, XXXXXXXX XX/XX/XXXX-XX/XX/XXXX These are to remove addresses and credit inquiries. 

I was asked to call the companies that placed these inquiries on my report and I refused to because that is not what I am suppose to but I did this last time. I was told by the representative from XXXX that the Bureau is suppose to investigate and remove if they cant verify the inquiry. She looked in her data base and found nothing, which was strange because I am asking her something that I did not do. 

I spoke with regular employees and a supervisor of the fraud department [ 3 to 5 times ] and they all take me through their security screen. I have gotten through most times but for some reason my answers were not sufficient with their supervisor on my last attempt. 

I feel I have done everything the right way and they have not. As I have told them and will continue to say, those are mot my inquiries and I want them removed from my report completely. I sent in a police report which they requested as well. 

As a consumer, I feel as though this credit bureau is treating me unfairly and damaging myself on a personal level. If I apply for a product and my Equifax report is pulled my I will not be represented accurately. 

Please assist me with this matter as soon as possible.