davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC (NC)

I have attempted to resolve this debt voluntarily on numerous occasions. I have now received a summons indicating that the plaintiff is XXXX XXXX XXXX. In contacting XXXX XXXX XXXX they have advised me that they sold the account a long time back to a company called XXXX XXXX. I think that Rubin and Rothman are baiting me into paying the debt by utilizing XXXX XXXX XXXX 's information on the plaintiff category. I now have 20 days to reply to this or they are executing a judgement against me. I question as to how many others have been in this position and how many were unable to provide an answer therefore a judgment against them was processed. They could be collecting millions of dollars through illegal judgments.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF THE WEST (CO)

I have a credit card that is the " world '' card. The card was assessed a foreign transaction fee because it is not the " elite world '' card. The name of the card is misleading and contrary to information provided to me by the bank prior to foreign travel. When I called to resolve the {$1.00} fee that was assessed on XX/XX/19 I was told there is nothing that can be done since it is not the " elite world '' card. It seams as though the information provided to me was wrong as representatives for the bank are also confused between the two " world ' cards. The company would not take any action to resolve the issue, which is a {$1.00} fee. I have been a customer for over 10+ years.
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Kansas, Inc. (KS)

The attorney violated our right to the Consumer Protection and to the KS statute of limitations on this case. This case was paid in full but they went ahead and left us with nothing by taking everything for a case that was paid in XX/XX/2013 via bank check.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In Capital One 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to XXXX XXXX on XX/XX/XXXX. Yet XXXX lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that XXXX has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies Capital One and XXXX deliberately withheld information regarding the amount that the account was sold to XXXX XXXX XXXX for. That information is important because if Capital One were paid an amount for the account. That amount should be subtracted from the amount that XXXX is claiming to be owed. The fact that XXXX is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I got a notice from a credit monitoring company that I had a new address on file. I checked my reports and saw that Equifax is reporting an OLD address as my current address however they sent me a letter to my current address asking me to verify my ID and address information. I never changed my address with them nor made any request to so why they would take it upon their own to change my address to an old address is beyond me but now I am concerned bc my credit information is going to someone else which makes my file subject to fraud and ID theft. I have had several complaints with them about erroneous information that they are reporting and now my ADDRESS??? It needs to be corrected ASAP.  They have already proven themselves to be untrustworthy amongst millions of consumers with the 2017 Data Breach so they really don't have a good reputation of reporting accurate information nor protecting it. FIX IT EQUIFAX!!!!
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (CA)

This was a new loan. Autopay was set up immediately with my bank to make these payments every month. 
My XXXX payment was cleared out of my XXXX XXXX Checking Account on XX/XX/XXXX for {$1700.00}. 
On XX/XX/XXXX Loan Depot made an electronic payment into my XXXX XXXX XXXX Account for that same amount of {$1700.00}. 
I tried to resend it to them and on XX/XX/XXXX my XXXX payment for {$1700.00} was cleared out of my XXXX XXXX Checking Account again. 
On XX/XX/XXXX Loan Depot made an electronic payment into my XXXX XXXX Checking Account for that same amount of {$1700.00}. 
I called and was told by Loan Depot they never received that payment and to resend it again as they had received all of the previous payments with that payment method. 
On XX/XX/XXXX I again had the payment of {$1700.00} for Loan Depot posted as cleared from my bank account. 
On XX/XX/XXXX the payment was again electronically submitted by Loan Depot into my XXXX XXXX  Checking Account. 
After this I called Loan Depot again XX/XX/XXXX. We did a conference call with my bank XXXX XXXX  and Loan Depot to try and determine what was going on. During this call the Loan Depot representative with the XXXX XXXX  representative figured out that Loan Depot had previously changed my loan account number. This is why payments were being returned because my loan number was changed it was being returned as a nonexistent account. 
XX/XX/XXXX I called Loan Depot to determine why they were reporting me as 30 days late on my payments. I spoke to XXXX XXXX XXXX and was told she found that recording and was going to escalate it to the supervisor. 
XX/XX/XXXX I contacted Loan Depot via chat. I was connected to XXXX XXXX who wrote that a supervisor would be giving me a call within 24 hours.
Consumer complaint received 2019-09-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

We requested a Loan Modification from Wells Fargo back in XXXX. They granted what we asked for. However Wells Fargo went up XXXX dollars more on our mortgage payments. We're surveillanced by them 24/7. Their employees were daily at my Wife 's job and followed me around my entire ROUTE. I have proof that it's Wells Fargo. I went to jail for reckless driving on XX/XX/XXXX running from their investigators and hired organizers. They have put in place Community Policing to hide their evil tactics. We are surrounded and harassed daily. We decided to sale our home because of the HOSTILE HARASSMENT. XXXX XXXX XXXX XXXX Texas XXXX. Now we're back here in XXXX Louisiana waiting for our home to be sold. The same group is here FOLLOWING us. We are surrounded by Electronic Harrassment. Now lets be clear, I don't have a mental instability. I don't know what lies they've told. I can say that we're being eavesdropped on. Whenever we're out we hear our conversations repeated in all public places. My car was wrecked twice and my SUV once. This is all done covertly. We have plenty of pictures and the police know and they are participating in this STALKING. If I'm being investigated arrest me. All of this surveillance is designed for me to get arrested or killed. We're tired being boxed on public highways. Wells Fargo bank and their Investigators recorded our conversations and put them in the streets. The VERY things we talked about at home or in our cars was put in the streets. I'll stop here for now. Thanks for your time XXXX XXXX XXXX.
Consumer complaint received 2019-04-03
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. (MO)

I been incarcerated since 2012, and now I'm looking into my credit, I discovered unknown accounts to my knowledge and I'm requesting that these accounts be removed from my report, XXXX {$180.00}, {$370.00}, XXXX XXXX {$400.00}, {$110.00}, XXXX XXXX XXXX {$1.00} XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$83.00}, {$150.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX au {$150.00}, {$41.00}, {$40.00}, {$20.00}, XXXX {$610.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$0.00}, XXXX/ XXXX {$610.00}, I would appreciate if these accounts was removed immediately.
Consumer complaint received 2019-09-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CFAM Financial Services, LLC (LA)

I previously notified CFAM Financial Services on several occasions between XX/XX/XXXX and XX/XX/XXXX, that I am a victim of identity theft, and requested that the following be done : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account with the financial company XXXX XXXX which CFAM purchased the debt from. I did not open or authorize this account, and I requested that it be closed immediately. As of today XX/XX/XXXX, Ive gotten no response from CFAM Financial ....
Consumer complaint received 2019-09-25
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. (GA)

I've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see two XXXX XXXX accounts that are not mine. I've contacted the police and FTC. These items are still on my credit report : XXXX XXXX, XXXX XXXX.
Consumer complaint received 2022-03-30
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)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (TN)

I made a purchase on the XXXX website on XX/XX/2022 using an Affirm loan. The original amount of the loan was {$590.00}. I returned one of the items purchased and the loan amount decreased to {$390.00}. I made monthly payments and paid this loan off. Affirm has since then brought this loan back and is trying to get me to repay this loan I have already paid off. 

XXXX order # XXXX Date of purchase XX/XX/2022 Affirm loan # XXXX
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Was harassed by XXXX XXXX XXXX XXXX out of XXXX XXXX, CA about a debt from 12 years ago. Was

threatened with being served if I didnt pay {$790.00} that day. Before calling me, they called family members harassing them too. Ive never received anything in the mail relating to the debt. They said they send paperwork to my former place of work and to an apartment that I lived in 12 years ago.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting lates on my account that I do not owe in XX/XX/16, XX/XX/16, and XX/XX/16. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AZ)

In late XXXX, I paid off our US Bank credit card ending in XXXX. The account was at a {$0.00} balance. In the summer of XXXX, as I was reviewing my credit report, I saw the delinquency being reported for this card and I called immediately to find out what was going on. I learned that there had been a charge for a XXXX account, originating in the XXXX ( if I remember the country correctly ), for {$15.00}. Apparently, XXXX had flagged the account as being fraudulent, as there were no subsequent charges for this recurring streaming service, but despite their noting this to be a fraudulent charge, US Bank did not reverse it and then allowed it to incur interest, late fees, etc. In working with US Bank, they immediately but provisionally reversed the XXXX charge on XX/XX/XXXX and after investigating, made the reversal of the charge permanent on XX/XX/XXXX. On XX/XX/XXXX, they reversed all late interest and late fees, as they recognized I had a XXXX balance on the account prior to the fraudulent XXXX charge, and because I had excellent account history with them. Those reversals were permanent as of XX/XX/XXXX. As of the XX/XX/XXXX statement, the account had a XXXX balance. In conjunction with these reversals, US Bank agreed to update the credit reports of all 3 credit bureaus. However, this has not happened and US Bank is still reporting that I was more than 90 days passed due in XX/XX/XXXX and then again in XX/XX/XXXX - months after they corrected the account.
Consumer complaint received 2019-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/2019, I sold an item on XXXX which the money is setup thru paypal. paypal locked down my account and withdrew money out of my checking account without no notice. They did this several times. I ended up with bounced checks I did not expect. Then they allowed me access to my account and did it again as soon as I covered all the expenses on my bank account. I had the expense of every bounced check. I had to close my account so they could't do more damage. Then they went after the credit card so that had to be reissued. I try every means possible to get this taken care of to no avail. I have called several time, live chat, filled out the request form many times and I am still locked out. I have {$47.00} in my account. Paypal is no longer linked to my XXXX. I was told 2 weeks ago they were sending my money ... .another lie. It is now XXXX. I tried to close my account but paypal won't allow me to do that either. Aren't they regulated??
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (UT)

LendingClu # XXXX is reporting lates on my account that I do not owe in XX/XX/16, XX/XX/16, and XX/XX/16. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.
Consumer complaint received 2019-09-25
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. (CA)

Acct # : XXXX Acct type : Medical Collection Furnisher : XXXX XXXX XXXX XXXX Dispute type : Incorrect date of first delinquency because of no supporting medical statement showing the exact date I requested to remove incorrect delinquency date from my credit history many times. Equifax always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). 

I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received any response. The medical bills need a statement date as a due date not a service date. 

THE DATE OF 1ST DELINQUENCY IS INCORRECT, BECAUSE THERE IS NO STATEMENT VERIFYING IT, AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

This Company is harassing me eveyday XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX everyday this company is putting notices on my door
Consumer complaint received 2019-09-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2019, I went to the XXXX website to purchase a phone. ( Not finance ). An application to finance with Citizens was submitted in error and immediately cancelled. Both XXXX and Citizens said there should not be a credit pull because the application did not have time to process. I now see an XXXX inquiry from Citizens Bank on my credit report. I emailed Citizens to remove and they refused.
Consumer complaint received 2019-09-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (NC)

On XX/XX/2019 I received a phone call asking for someone who is not me. This is not the first time I got this call. I asked for them to stop calling this number, they have the wrong person. I keep getting these types of calls and want them to stop. The offending company is Enhanced Recovery Company, XXXX XXXX XXXX
Consumer complaint received 2019-08-25
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. (LA)

I contacted all 3 bureaus several times in reference to a XXXX XXXX case on my file and they are still reporting it. It's not mine it's my sons
Consumer complaint received 2023-04-06
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. (GA)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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