davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (AR)

The company states the I owe a debt with 2 different accounts. The accounts need to be verified. I don't want a statement. I want my contract with this company for the 2 accounts with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The accounts have several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the accounts from my report. I DO NOT give my consent to this company to report anything on my credit report. Delete the two accounts starting with the numbers XXXX, XXXX as soon as possible.
Consumer complaint received 2020-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Hello, this happened XX/XX/2020 for {$100.00}. 
This was a transaction through pay pal. 

I was making a transaction with this guy over discord. This was about BTC which he seemed promising, to where he even provided vouchers saying that hes a valued seller. As time went by he started getting less patient with the time we had to wait for the transaction to happen. This started to seem sketch but the gullible person Iam I just went along with it. Next thing I know as soon as the money gets into his account he blocks me ... I then took this up with pay pal. Pay pal tells me that they cant help me in any way due to the fact it was sent over as family and friends. ( This guy that was selling me BTC said how it doesnt matter if I put family and friends, itll go through faster. ) I have proof that this guy just took my money and ran off and I believe with that information pay pal should most definitely help in some way with that information. The conversation was lengthy as he tried to keep me occupied but if more photos are needed I will gladly provide them!
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (AL)

Am rents currently reports on my credit report as eviction. I put my eviction in Bankruptcy in XXXX and it should have been clear when my Bankruptcy XXXX in XXXX. It is still reporting when I apply for a property
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of XXXX XXXX XXXX XXXX and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper DOB is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-26
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 (FL)

On XXXX XXXX while on vacation in XXXX we stayed at the XXXX XXXX XXXX, we were cornered into a travel membership in which we were told that it could be cancelled at any time by the representative, we still stated that we did need this additional expense but they insisted to try and then we could cancel if it didnt work for us in which my they did not credit card was charged {$2800.00} with a re occurring charges of {$43.00}. When we returned to the USA we reach out to the company that we would like to cancel XX/XX/2021. They did not respond to us until weeks later and there was a major language barrier, we stated that we did not need the service and they refused to cancel and the representative XXXX XXXX in order to not loose our money we would have to do a revised membership and and then we could cancel if the service provided was lacking. Under the advisement of XXXX a representative of XXXX XXXX we agreed with a temporary membership with the intent to cancel. We have been sending cancellation requests for the last 8 months and no response. We finally reached out to our credit card company Capital One to file dispute against the charges because the company refused to cancel the membership and issue a full refund. Capital One is still allowing this company to charge my credit card and with monthly reoccurring charges after repeated request to stop payments.
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I Have contacted Convergent outsourcing for Acct # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX XXXX. I have contacted this company by phone and sent several dispute letters with this company who is reporting to all three credit bureaus and it is negatively damaging and affecting me from obtaining credit. I have no agreement or contract with this company. By law i would need to see any contracts that was signed with my signature and convergent has not provided me with any of the information requested.
Consumer complaint received 2024-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (NY)

My car was repossesed after a Hit and Run accident XX/XX/2021. The car was sold for XXXX dollars. Not even a portion of what the car was actually worth, due to the fact the damage strictly in front of the car and the engine had less than XXXX XXXX miles on it.
Consumer complaint received 2020-04-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: J & B Endeavors, LLC (OH)

I contacted Student Loan Movement for them to be my advocate in communicating with XXXX XXXX XXXX for a possible repayment plan during the wake of COVID-19. I received an email from them stating they would garnish my wages due to me not agreeing to keep my payment agreement. After talking with XXXX XXXX explained that I was laid off from work, waiting for unemployment, waiting for the COVID-19 stimulus and my tax return. He stated that if I did not give the Student Loan Movement {$90.00} by the XXXX of XXXX that my wages would be garnished. They called from phone numbers that said " scam likely '' as he confirmed, so I never answered the calls. After researching the CARES ACT and IRS website it was revealed that the Student Loan Movement did not have the power to collect money from me due to them only being an advocate. They are not a bill collector, and I did not borrow money from them. Due to the climate of financial conditions I strongly feel this was a fraudulent call and I am concerned about my well being and the well being of other who may be getting the same phone calls and emails threatening to take money from consumers.
Consumer complaint received 2020-04-10
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX   XXXX  {$640.00} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX  XXXX  failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX  XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX   XXXX  is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX  XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2021-12-27
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. (FL)

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX failed to send me the loan account number so that I could make the payment so by the time I received the information I needed to pay the first 2 payments which I did and they agreed to not report a late payment. 

I traded in this vehicle on XX/XX/XXXX at XXXX XXXX XXXX in XXXX GA .. they didn't get this load paid of until XXXX of XXXX and even though I submitted the paperwork on my new purchase stating that I had traded in the car XX/XX/XXXX XXXX reported that I didn't pay the loan payment on a vehicle that I didn't even own.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I reviewed my credit report and noticed that multiple over 30 day late payments were reported on an account of which specific payments were not over 30 days late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I was not over 30 days late on these payments reported by XXXX XXXX, account XXXX between the years XXXX and XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be.
Consumer complaint received 2021-12-26
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. (MS)

For several weeks, I have repeatedly asked XXXX XXXX XXXX XXXX XXXX, Transunion and XXXX to objectively resolve my credit issues relative to hard inquiries which shouldve been reported as promotional or soft inquiries. I have also reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX Floor, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Consumer complaint received 2020-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (MO)

I have numerous medical bills that goes against the hip as law I will list them below along with me social security number : Account resolution service - {$900.00} XXXX XXXX   - {$530.00} Account resolution XXXX - {$150.00} XXXX  XXXX  XXXX XXXX  - {$820.00} Social security number XXXX
Consumer complaint received 2021-12-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (CT)

this is my third complaint. I contacted them XX/XX/XXXX via email to XXXX I sent them a PDF showing that I had paid. 
I did not receive a response. 
I did not look at the XXXX statement ( electronic ) because I thought it didn't reflect the last payment. 
I received a XXXX statement with a host of late fees. which is peculiar for something that was paid in full 2 months before I spent this morning going through each statement and found that my payments showed I was paid in full. 
I discount any and all late charges, it is a 24 month loan and I paid ahead ( I guess that is my sin, trying to pay early ) I expanded my spreadsheet because I found that although the statements show all my payments, their transaction history omits 6 payments from XX/XX/XXXX through XXXX/XXXX/XXXX and the last payment XX/XX/XXXX my bank statements show the funds being transferred
Consumer complaint received 2020-04-10
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. (NC)

I previously sent two letters to TransUnion letting them know that I was a victim of identity theft attached with those letters were an FTC report and a police report to have the price of an item removed from my credit file the first time they sent me a letter back stating that I did not give them enough information so I sent them the same exact information the second time and now they are saying that it looks like a credit repair company is doing my credit repair when is actually it's me sending the letters in so, as a result, they won't investigate.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

XX/XX/2020 I call Equifax and the person who answer didn't provide with any help I give all the information and still don't help with all the information I give My account is look and freeze I send by email all the information about myself and no answer. 
XXXX XXXX
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (CA)

The problem is too big and systemic for Customer Service to be useful, hence filing this complaint with the CFPB. 

We have a Costco Anywhere Visa Card By Citi. My husband changed his " cash advance PIN '' for the card on the Citi website. A week or two later, we received a letter dated XX/XX/2022 entitled " Confirmation : Your PIN has been issued '' with the PIN number that he chose printed twice on it. The problems : ( 1 ) the customer-chosen PIN number is not encrypted, making fraud a lot easier ( makes us wonder : what else is not encrypted? ). ( 2 ) the company printed our PIN and mailed it back to us, which is a big privacy concern.
Consumer complaint received 2020-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NH)

Fedloan has added new misleading information about the CARES act regarding student loan forgiveness programs. After responding to my last complaint about being encouraged keep making payments to stay on track with my loan forgiveness program, admitting that I was given wrong information, and promising that suspended payments made during this forbearance period WOULD be included in my qualifying payment total, they have now updated their website with more evasive messaging : " Borrowers with a Direct Loan, whom are on a qualifying repayment plan prior to the suspension, and work full-time for a qualifying employer during the suspension, will receive credit toward PSLF for the period of suspension as though on-time monthly payments were made.

Borrowers currently on an IDR plan will have suspended payments count toward IDR forgiveness. '' Of course borrowers will not qualify under this stipulation. A frightening amount of people have been laid off from their jobs and are collecting unemployment. Therefore we are NOT working " full-time for a qualifying employer during the suspension ''. There is no requirement in the CARES act that states that a borrower must remain employed in order to qualify for this : " ( c ) Consideration Of Payments.The Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for which the borrower would have otherwise qualified. '' If we weren't all losing our jobs, we wouldn't need the forbearance, and we would have otherwise qualified.
Consumer complaint received 2020-06-13
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.