davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (OH)

I have received numerous calls from Southwest Credit Systems from phone number XXXX ; they have called 10 times repeatedly at XXXX XXXX. for a XXXX XXXX. I called the company and stated they have the wrong phone number, the first customer service person hung up on me. I then called back again and told them they had the wrong phone number and to remove my number ( XXXX ). They again called back at XXXX six more times. As I was writing this I just received another 5 calls from them.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-12-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AZ)

I have never had a payday loan through this company. I have gotten several emails like the one I am attaching to this complaint. As the email account is a XXXX account, it is a false account, ACE does not use a XXXX account nor do any collection services that I am aware of.
Consumer complaint received 2019-05-06
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. (CA)

To Whom It May Concern, Multiple Dispute Letters were sent out, also last one sent out was a 60 day letter to XXXX and Equifax. They received the last letter XX/XX/2019. I asked them multiple times to verify and delete derogatory item. Please advise. 


Thank You
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (IL)

I applied for Barclays XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX and was immediately approved for the card. 

I followed up after about a week of not receiving a card and they sent out a new one on XX/XX/XXXX. 

It is now XX/XX/XXXX and I still have not received the 2nd XXXX XXXX credit card that was sent to me. I called customer service and the automated robot system told me they could not find an account under my date of birth and social security number.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$61000.00} XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question.
Consumer complaint received 2022-07-10
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (MN)

LVNV Funding LLC debt collection company is in violation of the Fair Debt Collection Practices Act ( FDCPA ). I been receiving phone calls and emails of constant harassment, abusive and profane language, threats of being sent to jail and prison and death threats from Resurgent LVNV Funding Debt Collection Representatives for debt collection accounts that isnt my debt collection account or debt. The debt collection accounts from XXXX XXXX XXXX XXXX XXXX {$340.00}, XXXX XXXX XXXX XXXX {$250.00} and XXXX XXXX XXXX XXXX XXXX {$170.00} isnt my debt collection accounts and is the result of identity theft. The accounts are fraudulent and the result of identity theft. Im a victim of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Today on XX/XX/2018 at XXXX XXXX, I received a call from XXXX. On phone was an agent named XXXX who didn't provide his last name but mentioned that he is calling from " Card Services '' and upon insisting to provide more details he used names Capital One and XXXX XXXX XXXX. 

The call started with a recorded message which had verbiage such as " this is your last and final call '' and " if I didn't take action ''. Before I have put my number on " Do not call '' Registry but despite that I keep receiving calls starting with area codes XXXX. 

When I asked XXXX to provide me for his office address, he asked me if I wanted to send my wife to him and then he started to talking in abusive language including using f ** and b**** words. 

I do not tolerate any such advertisements especially those involving abusive and insulting language. I asking CFBP to not only take actions against such abuse. These kind of abusive behavior has hurt my mental status when I am busy working at my desk. I can't stand such and am ready to take whatever legal actions needed to fight against such hostile advertising.
Consumer complaint received 2018-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evergreen Financial Services Inc. (WA)

My father signed the document that he would pay for my braces. He was unable to do so and this debt was passed to Evergreen Financial. Instead of contacting my father to collect the debt they have contacted me. 
I have informed them on multiple occasions to contact my father however they have made no attempt to do so and have continued to call me at work and other inappropriate times. 
I also find it suspicious that they have not attempted to contact my father. He informed me that he filed for bankruptcy not too long ago. That bankruptcy would discharge the debt. I suspect that they are attempting to illegally collect the debt from me since I may not have knowledge of the bankruptcy. 
When I informed them of this information and requested they stop attempting to contact me, they put me on hold for 10 minutes while I was at work.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/18 I submitted a dispute/ claim ref # XXXX with Chase Bank for two unauthorized transactions. I personally contacted the merchant and Received email confirmation from XXXX XXXX ( merchant ) on XX/XX/18 that the disputed transaction would be refunded to my account. I provided chase with their contact number XXXX/XXXX-XXXX to verify the facts. Chase sent me letter dated XX/XX/18 stating they allegedly researched the dispute and that no error occured so they would be reversing the temporary credit out of my acct. On XX/XX/18 I faxed chase claims dept the attached letter providing them detailed info to verify so they dont take the $ back. On XX/XX/18 Chase withdrew the funds back out of my account leaving me in a negative status then proceeded to charge me overdraft fees. Chase obviously never investigated anything. I Spoke to XXXX on XX/XX/18 he states I failed to Provide them with documentation that I dont owe the funds then proceeded to state how they cant accept my letter. This is absurd. They have full knowledge the action they took is wring and are avoiding their responsibilities. I did my due diligence and am now being harassed by their collection dept. For money they actually owe me.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was XXXX XXXX. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was XXXX XXXX. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,
Consumer complaint received 2018-08-20
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. (AR)

ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was XXXX XXXX. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was XXXX XXXX. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (OR)

In XX/XX/2018, the loan was in foreclosure and my home was scheduled for sheriff 's sale. The lender ( Santander ) reported the principal at that time was {$350000.00}. In XX/XX/2018, I paid the required reinstatement amount of {$68000.00}. In XX/XX/2018, I made another payment for {$8000.00}. After I made these payments ( for a total of {$76000.00} in payments ), Santander now reports the new principal is {$340000.00} -- a mere {$13000.00} difference? I understand that there are fees and penalties associated with foreclosure, but this seems excessive. Moreover, this practice is extraordinarily misleading, the reinstatement papers should have clearly disclosed that less than 10 % of my {$68000.00} would go to principal. 

The lendor ( Santander ) has failed to provide a clear breakdown of how the {$68000.00} was applied or how escrow was used. I have called numerous times and none of their reps will explain anything. Moreover, when I called in XX/XX/XXXX to inquire about the Santader 's receipt of the reinstatement amount ( {$68000.00} ), and asked when to resume monthly payments, Santander 's rep said that they had no info about the $ XXXX payment, that the loan had been " sold '' and that no additional payments were due- the rep said I'd be hearing from the " new lender. '' When I didn't hear from a " new lender '' by XX/XX/XXXX, I called Santader again, and was again told that they didn't have the loan. After hours on the phone, the rep finally determined that indeed Santander did still have the loan, but that a new account number had been assigned. The rep refused to provide any information on Santander 's receipt of the {$68000.00}, or how it was applied. The rep only continued to demand money and thousands of dollars in new late fees!
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX account # XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX With a balance of XXXX dollars Has violated my right 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
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On Saturday XX/XX/XXXX, the day before Hurricane Irma hit the State of Florida, I attempted to withdraw cash from the XXXX XXXX XXXX, XXXX FL XXXX Wells Fargo ATM. My password for the debit card was completely removed from the system. The games with Wells Fargo and my password have been going on for years. While trying to contact another branch to obtain needed cash, they sent one of their minions who I have on video tape. 

I am looking for a response from Well Fargo on why my password was removed from the system right before the hurricane. I also want to put in writing to the CFPB that registered letter XXXX XXXX sent on XX/XX/XXXX to your Director, XXXX XXXX was signed by the " Obama Family '' and disappeared to a XXXX zip code that is non forwarding post office. I also sent a certified letter XXXX to your Director and that letter was disappeared. 

Kindly request a response from Wells Fargo on the who and why decided to trigger the password deletion on Wells Fargo end. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 


SYNCB/TJXDC XXXX
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Citi bank refusing to remove unauthorized charges for 3 months with explanation that they are investigating, as thou citi bank is trying to proof Im responsible for this charge. Even telling me to pay the charge or they report as non-payment to credit reporting bureaus. 
Their lack of card security enabled this unauthorized transaction. Since citi bank authorized the charge without verification. 
On the merchant statement that was submitted, 0name was wrong and the address was wrong, Citi bank reps refusing to acknowledge the law of Fair Credit Billing Act. Credit CARD Act of XX/XX/XXXX eRegulations 12 CFR Part 1026 ( Regulation Z ) Credit Card Loss or Fraudulent Charges Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use. 

XX/XX/XXXX REVERSE XXXX XXXX ONLINE XXXX Posted Date : XX/XX/XXXX {$980.00}
Consumer complaint received 2023-03-18
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.