davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (VA)

I received a call from XXXX at XXXX am XXXX on XX/XX/2022 claiming to be Aargon Agency which is a debt collection agency trying to collect an unpaid debt for XXXX XXXX XXXX XXXX for services to the house XXXX XXXX XXXX, XXXX NV XXXX. This house was lived in by me and my ex-wife before we divorced but now she lives in it by herself. XXXX XXXX XXXX XXXX was the power company for XXXX decades ago but is now known as XXXX XXXXXXXX. The XXXX  XXXX account for this house was in my name during the marriage but is now in my ex-wife 's name. The person claimed I owed {$280.00} for services provided from XX/XX/2022 to XXXX. He knew the last XXXX of my SSN. He read off an account number and it was very close to my account number with XXXX  XXXX but not exact. I logged onto my XXXX  XXXX account and it said I owe nothing. My ex-wife also logged onto her account and she also owes nothing. The guy ( XXXX ) told me to go to this website : https : XXXX and to log on using XXXX and account number XXXX to see for myself.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I have my credit report access blocked by experian for seven years. The company has denied access to my credit profile to credit inquiries over the last seven years. when i have submitted information requested by experian to resolve this matter i have had a catch XXXX response. experian denies that access to my credit file is blocked and when i applied for credit the reply received from XXXX is that Experian has blocked access. 

This rigamarole has continued for 7 years and Experian has been consistent on XXXX XXXXl that they have blocked access. 

I have started paying protection money to Experian in the hope that my problem will be addressed if I make ransom payments. Unfortunately even this effort failed because Experian still continues to deny access and block anyone seeking to access to my personal records. 

Without debating the extortion practises of Experian is there anyway assistance can be provided to help resolve this matter.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

In early XXXX of 2024 I accepted a promotional offer from Citibank to open an account and receive XXXX bonus miles with XXXX XXXX, after spending {$3500.00} on purchases by XX/XX/year>. They gave me a {$1500.00} credit limit, which barely gives me enough time to spend {$3500.00} by XX/XX/XXXX. I requested a credit limit increase and they declined. My first statement closed on XX/XX/XXXX and I paid it in full on XX/XX/XXXX, so I could start charging purchases to the card again towards the {$3500.00} requirement. For some reason my available balance is still only {$40.00}, even though I paid it in full 2 days ago, and the money has already cleared my bank. I called Citibank today to ask them what is going on. They told me there is a hold on my payment until XX/XX/XXXX, which is absurd! I have never had a credit card company do this before! Now I have only between XX/XX/XXXX and XX/XX/XXXX to spend another {$1500.00}, to stay on track for the {$3500.00} requirement. It really does look like Citi is trying to limit my spending so I don't qualify for the bonus miles offer. I have excellent credit, and I have never had a credit card offer me less than {$10000.00} limit. I have several expenses coming up, which I won't be able to put on this card because the limit is so low. I have to plan strategically which expenses can go on this card, so nothing gets declined. I want Citi to release my balance immediately, so I can start using the card again. I also want them to increase my credit limit to at least {$3000.00}, so I can charge my upcoming travel expenses to the card and make sure I qualify for the bonus miles.
Consumer complaint received 2024-02-15
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. (FL)

Subject : Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Violations of Consumer Rights by XXXX XXXX XXXX Dear [ CFPB Representative ], I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of my consumer rights. Despite numerous attempts to resolve this matter directly with XXXX XXXX XXXX, I have not received any responses or assistance, prompting me to seek intervention from your esteemed agency. 
As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and obligations regarding the handling of my personal information. Specifically, I refer to 15 USC 6082 and 15 USC 6805, which outline the protections afforded to consumers in matters concerning the accuracy and privacy of their credit information. 

In light of XXXX XXXX XXXX 's failure to address my concerns and provide adequate resolution, I hereby exercise my rights under 15 USC 6802 to opt out of any and all authorization, whether written, verbal, or non-verbal, that I may have previously granted to them. This opt-out request is effective immediately. 

Furthermore, I assert that as a consumer, I am protected by all laws stated in the Privacy Act of 1974, which safeguard my privacy rights and regulate the collection, maintenance, use, and dissemination of personal information by federal agencies. 
Despite my efforts to communicate with XXXX XXXX XXXX and seek a resolution to this matter, their lack of response and apparent disregard for my rights as a consumer compel me to escalate this issue to the attention of the CFPB. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant consumer protection laws. Additionally, I seek guidance and assistance in resolving the issues I have encountered with XXXX XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX La. XXXX XXXX After Reviewing my TransUnion credit report, I noticed the following companies have violated 15 USC 1692E ( 10 ) ; 15 USC 1682E ( 3 ) 15 USC1692E ( 7 ). The following accounts on TransUnion credit report are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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. (MN)

i am a victim of id theft due in part to the equifax data breach. i am a member of the class action lawsuit against equifax and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and XXXX  witch shares information with all the major credit reporting agencies. after filing over 26 ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY (OH)

There are several credit cards who have run my credit several years after I either closed the or quit using there card. Also some credit card I possess periodically look at my credit which is not needed beause I am current on all my accounts. I feel that this is totally inappropriate. Some creditors are on my report who I have no business with at all. 

Closed/paid off Still active Never had/Old XXXX & XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX XXXX XXXX XXXX AMEX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my paypal account. I am using my paypal account for my online business ( selling e-books ) since XX/XX/2022. My paypal account : XXXX has stucked funds in it that I have to withdraw asap for emergency purposes. And i am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For identity verification I attached my valid ID. Please see attachments.
Consumer complaint received 2019-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

SPS is attempting to foreclose on my home with fraudulently assignments. The assignment was created after the cut off date of the pooling an servicing agreement filed with the SEC I have submitted a QWR and requested proof of claim. I have not received a response to my request date XX/XX/2019 XX/XX/2019
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (TX)

I have a U.S. bank XXXX XXXX credit card. I signed up for the card solely for the " Bonus Award Night '' benefit. I renewed my card and paid the {$75.00} annual fee on XXXX XXXX, 2015. I called on XXXX XXXX, 2015, to express my extreme disappointment about the loss of this benefit ( on XXXX XXXX, 2015 ) and asked for compensation in order to remain a cardholder. They promised XXXX bonus points and said that was the maximum. I was only awarded XXXX bonus points to my account. A friend was offered XXXX points and a {$75.00} credit for the annual fee. We both received our cards at the same time. Not only did U.S. Bank XXXX XXXX not provide me the points I was offered, they " short-changed '' me considerably in comparison to others. And if you read their terms for new cardholders, the Bonus Award Night is still listed, even though it ends on XXXX XXXX, 2015 ( https : //www.usbank.com/credit-cards/club-carlson-premier-rewards-visa-signature-credit-card.html )! I 'm now concerned about the ethical nature of this company.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Reporting incorrect information and should be deleted according to the FCRA. 

1. XXXX XXXX XXXX XXXX showing past due balance of {$890.00}, this account was closed in XXXX and updated when I filed dispute. 
2. XXXX XXXX XXXX # XXXX past due balance of {$870.00}, this account was closed in XXXX and updated when I filed dispute. 
3. XXXX showing in XXXX XXXX bankruptcy, which is incorrect information, I disputed this account and it was still added to my credit report. 
( 9 years reporting on credit file ) 4. XXXX XXXX Bankruptcy Status : ,Discharged Date Filed/Reported : XX/XX/XXXX.
Consumer complaint received 2022-03-28
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: Stern Recovery Services, Inc. (SC)

On XXXX Stern Recovery Services added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and. Stern advises that they don't buy or transfer account however their website at www.sternrecovery.com advises that they do. I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Stern Recovery Services has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (FL)

Fraud happened on my account as I lost my check book. I called to close my account. It was positive at the time. that was on XX/XX/2022, I was told that my account has been closed and if I want to I would have to go into branch to open a new account. Now I've got a kind of fees and the account was never stopped allowing fraud to continue to happen. I went in the bank, the manager was being transferred by phone to different people from over an hour and half and up until now my account is still open and active occurring fees daily.
Consumer complaint received 2022-12-16
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. (IL)

Reporting incorrect information and should be deleted according to the FCRA. 

1. XXXX XXXX XXXX  XXXX showing past due balance of {$890.00}, this account was closed in XXXX and updated when I filed dispute. 
2. XXXX XXXX XXXX # XXXX past due balance of {$870.00}, this account was closed in XXXX and updated when I filed dispute. 
3. XXXX showing in XXXX  XXXX bankruptcy, which is incorrect information, I disputed this account and it was still added to my credit report. 
( 9 years reporting on credit file ) 4. XXXX XXXX Bankruptcy XXXX : ,Discharged Date Filed/Reported : XX/XX/XXXX.
Consumer complaint received 2021-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX Dear Person, I am writing in regard to Public Service Loan Forgiveness ( PSLF ). In XXXX, my student loans and my former spouses student loans were consolidated into a Joint Spousal Consolidation loan. For what should be obvious reasons that particular loan consolidation program only was offered for a few years. The major problem with those loans is that when you divorce, you are both still jointly liable for the loan which creates numerous problems. You cant separate the loans under any circumstances it appears and you cant convert them into XXXX XXXX XXXX. I have been a XXXX XXXX and a XXXX XXXX  for 16 years, however, I cant even consolidate the loan into a Direct Loan to be able to get PSLF not even under the new waiver program. I have given almost 16 years of my life in public service at very low wages and this is the thanks I get for doing so. I pay {$320.00} a month as my half and on a XXXX salary and now XXXX XXXX salary I barely make ends meet. This is inequitable on so many levels. I have tried over the last 13 years to inquire as to any changes or solutions for my circumstances and always to no avail. Today I spent 2 hours on the phone with both Navient and XXXX XXXX XXXX, only to be told once again that I cant qualify for loan forgiveness. 
I am begging for someone to please do something to help those of us who were foolish enough to sign on to that Joint Spousal Consolidation program. I have never missed a payment, I have worked in public service for almost 16 years, I am XXXX years old, at this rate I will never be able to retire. Any pension I receive, my student loan payment would equal 1/3 of my pension. Someone has got to do something for those of us in these circumstances. I have written before to no avail, I am hoping someone out there cares enough to fix this situation. 

Best regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2022-05-16
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. (MO)

In accordance with the Fair Credit Reporting Act, these accounts are violating my rights. 

XXXX ( Reference Number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-16
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. (MO)

In accordance with the Fair Credit Reporting Act, these accounts are violating my rights. 

XXXX ( Reference Number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2021-10-29
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXXBalance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXXDate Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXBalance XXXX XXXX XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXBalance : XXXX XXXX Opened : XX/XX/XXXX
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates (TX)

I attempted to change my cell phone service from XXXX XXXX to XXXX XXXX because of poor service at my new residence. Before I switched over, I verified with an XXXX XXXX representative that our existing phones would work with their service. I had XXXX lines on my account. XXXX mailed out XXXX cards for the new phones, and I activated the phones on a Friday Evening. My phone was unable to place calls or get any reception inside our home or outside unless I drove about a mile away. The next morning I went to an XXXX store for assistance, and they told me it would be XXXX of XXXX days before I could try a new XXXX card, but they didn't think my phone would be compatible with XXXX XXXX. I then attempted to just buy a new phone from them to use, and was told I couldn't purchase a new phone for 6 months. I went home and called XXXX XXXX Tech support using wifi calling, and was told that if I didn't like their service, I was free to find another provider. I went to a XXXX store in my neighborhood and they were able to provide me with a phone that worked on their service and ported all of my numbers over. I called XXXX XXXX and let them know that I was moving my service to another XXXX. 

A few days later I received a bill from XXXX for {$670.00} for less than XXXX of XXXX XXXX that never worked. When I disputed the bill with them, they refused to lower it and told me that unless I paid them they would send my account to collections. I now have a collection on my credit for what amounted to a non-working product and horrible customer service.
Consumer complaint received 2015-10-24
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (MI)

Hello I 'm a current card holder of a rush card, as I 'm sure you know they have been having issues. I have money missing in the amount of {$480.00}. I tried to contact them but am now being told my account does not exist even though I can access it online? I 'm not sure what the next step is to resolve this & get my money back. I do have documents to prove this as well.
Consumer complaint received 2021-10-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc. (AZ)

I called on XX/XX/XXXX and scheduled a payment for XX/XX/XXXX. The payment disclosure was read to me and confirmed as XX/XX/XXXX. My payment was drafted on XX/XX/XXXX when it wasnt authorized on that day.