davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
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: CNG FINANCIAL CORPORATION (MI)

Beginning on XX/XX/XXXX, I started receiving calls from a company, XXXX XXXX, who indicated that they were calling to collect on a debt that I owed with Check n ' Go from XXXX ; 4 years ago. I explained to them that I never took out a loan. The address that they had for me was incorrect. I explained to them that I would need to file a stolen identification complaint with the government, as well as contact all of the three credit reporting agencies, which would take some time. However, I told them that I would pay the loan but that I would need to take a loan out of my 401k. I explained to her that it would take 10-14 days to complete this task. She repeatedly called me every day and began harassing me at work. She even contacted my human resource manager today XXXX XX/XX/XXXX XXXX that said that they were garnishing my wages. I have never been served with any correspondence, lawsuit, or emails, which they state they have forwarded to me. I received confirmation from my 401k company that the check was mailed to me on XX/XX/XXXX. However, they continued to harass me at work, calling several times a day and threatened to " come to my employer and take action. '' This occurred every day beginning XX/XX/XXXX. I attempted to contact them again today, XX/XX/XXXX, to make arrangements. On today 's date, XX/XX/XXXX, I told them that I would pay the debt, but would need something in writing before I did that. They told me that they verified my employment and they did not need to speak to me anymore and hung up the phone. The same person continued to call on a daily basis, but was calling from a different number every time.
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (GA)

Optimum Outcomes has a negative listing on my credit file for a {$60.00} medical debt. The company providing the services was  XXXX   XXXX  which has sent been bought out. All insurance and co-pays have been paid in full.
Consumer complaint received 2019-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (MS)

A week or so back, I disputed the information on my credit report when I noticed this collection placed. I have no knowledge of this account, and am unsure of the debt. Since then, I still have not heard back from the company or XXXX. I have not received a notification to initiate a dispute for this information, 809 ( a ) of the Fair Debt Collection Practices Act. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute. However, I have not even received the information, regardless of when it was mailed out, and it is affecting my credit report. I want this information to dispute the debt, and receive validation of this supposed debt that I have no knowledge of.
Consumer complaint received 2018-06-18
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: Experian Information Solutions Inc. (FL)

I am a XXXX XXXX XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/XXXX. During the administrative work with SSA and XXXX XXXX. XXXX XXXXXXXX and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus. 

The credit bureaus have not removed the late payment markings on XXXX XXXX  XXXX XXXX updates in XX/XX/XXXX and XX/XX/XXXX. 

Again, none of these loans were ever late prior to my XX/XX/XXXX Social Security XXXX XXXX XXXX onset determination date. 

The dates of misreporting are last reported during XX/XX/XXXX-XX/XX/XXXX. There are about 33 occurrences of this error in each report, often with 7-14 months labeled as Late Payments from XX/XX/XXXX-XX/XX/XXXX. This constitutes approximately 231 incorrect items per month since XX/XX/XXXX subject to FCRA penalties or fines.
Consumer complaint received 2022-04-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MD)

In XX/XX/XXXX, I registered my car in Maryland where I moved to from Alabama. Hyundai Motor Finance never sent my title to Maryland. Fast forward to XX/XX/XXXX when XXXX buyout my lease because I am tired of dealing with their company. The first check that my bank sent them, they lost. The second check finally was obtained and the buyout was completed. They signed the Alabama title in XX/XX/XXXX and sent it to me. I took the title to a third part tag and title business to get a new title without HMF on it and was told I needed them to sign the Maryland title before they could. So the Maryland title was sent to XXXX in XX/XX/XXXX. HMF " can not find it ''. I had called multiple times to recheck the status and told the same. They can't find it and they will escalate the issue. No word back. So I apply for a duplicate title from the Maryland XXXX and it is sent to HMF to sign. It was send on XX/XX/XXXX and it is now XX/XX/XXXX and they can not find the duplicate title. I have been escalated and told the same from each customer service rep that " the titles department doesn't have a phone number to contact anyone, only email ''. I can't be CC 'd on any emails per their policy. I have to wait and keep calling to see if they can find it. This title is never being found and I am stuck waiting and calling to be told the same over and over again. They have no financial interest in this car and can not find and simply release the correct title. My current financing is through XXXX and they need a copy of the title and so do I WITHOUT HMF on it.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have a Cabela 's credit card from Capital One.

I pay all my bills on the first of the month.

In XX/XX/XXXX I paid on the principle on the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was charged {$27.00} late fee.

I was told that my payment on the XX/XX/XXXX was credited to XX/XX/XXXX.

How can I pay the XX/XX/XXXX payment in XX/XX/XXXX?

If you pay in the month your payment is due it should be credited to that month.

.
Consumer complaint received 2017-03-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NY)

I have no knowledge of this debt. Never received anything in the mail or even a phone call. When calling this company no one was able to verify my social security number or account number that I supposedly have with this company. This debt does not belong to me.
Consumer complaint received 2021-02-16
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: Phoenix Financial Services LLC (MD)

I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent.

15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors.

FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


XXXX XXXX, ****XXXX XXXX***, XXXX XXXX XXXX AND PHOENIX FINANCIAL SERVICE**** are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (FL)

I am interested In processing disputes on my credit report to help remove negative items on my experian credit report. checking my file ive noticed alot of inaccurate information on my credit report with experian. review the items in the files an remove the data listed asap.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (UT)

Equifax and XXXX XXXX continue to ignore my requests to correct the dates which are incorrect. I've sent the info to XXXX XXXX directly several times & to the CFPB for both Equifax and XXXX XXXX. Yet the dates reported continue to be dispute rather than paid and closed dates. Equifax has lowered my score with their inaccurate reporting. XXXX XXXX could care less. They don't want to fix it and I've tried several times going to them, then to Equifax. Yet the dates are still showing as the dispute dates for 2023 which are incorrect, and Equifax continues to report the accounts as " pays as agreed '' which makes them look like they're open rather than closed accounts. They're paid, closed and no longer active! Yet Equifax and XXXX XXXX keeps saying the dates are accurate which means they're being lazy or just don't care. I'm going with both! So the below will take place should they continue to fail to fix the problems. I won't keep fighting it. I'll take it to the legal system as I have every right to do for anyone violating Fair Credit Act Laws. I don't want to hear that you're abiding by them because you're both lying! I filed a complaint against XXXX XXXX with the XXXX XXXX XXXX too. I want someone above their credit area to see what the problem is since they fail to read or understand the issues.
Consumer complaint received 2023-07-17
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because a single payment was returned. THAT IS AN ACT OF DISCRIMINATION. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction or because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately the agent held her position that the company would not be able to reopen the account.
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated (GA)

XXXX XXXX was my loan officer at Sovereign Lending Group. I needed a simple refi on my home. He gave me his initial loan estimate and I as a consumer took that estimate and started shopping for a better deal. When I found one I brought it back to XXXX for him to beat. He stated to me several times, if you find a better deal bring it back to me and I will 100 % beat it. He said he was going to beat the costs no problem. I followed up a few times and when he got back to me finally, he said he would beat the costs at the closing table. He was basically trying to ensure that I did not go back out again and shop his loan estimate. This is extremely disappointing and very unprofessional. This type of lending practice should not happen. I have all of these details in writing from the LO if/when needed.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (IL)

Equifax continues to report incorrect information regarding XXXX on my credit report. According to the FCRA when I dispute anything, it's supposed to be removed. They NEVER remove what I am disputing and in fact are reporting incorrect information. They also stated they have conducted an investigation but has failed to produce anything with my signature or anything stating this account is a loan when it is NOT. I want this account removed from my report immediately.
Consumer complaint received 2019-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2019 a client reserved XXXX XXXX at my campsite in the woods, paying through PayPal $ 200+ {$50.00} refundable deposit if she left the site as explained. The client acknowledged reading the website explicitly stating NO REFUNDS if the woods experience is not what she expected. Included in the disclaimer is " expect insects ... come prepared with bug spray. '' The client set up camp on my woods property on XX/XX/XXXX, but after a few hours texted me that she was leaving because her boyfriend found ticks on himself. I suggested they go to the screened level 14 feet into the trees and use insect spray. They left anyway. 
She demanded a full refund. 
I gave her {$140.00}, {$100.00} for the night not used + {$43.00} refund, although the agreement was no refunds. 
The client continued the conversation recorded in complaint # XXXX demanding the {$100.00} for the time she occupied my property. 
On XX/XX/XXXX I concluded the discussion involving PayPal and the client saying I had reiterated my case 3 times and had nothing more to say. 
I left on vacation in a remote area without computer XX/XX/XXXX. Upon my return, I find that PayPal has refunded the client {$250.00} of my funds without my consent on the basis that the client had said something more to which I did not respond. 
Evidently PayPal has a policy to reward whoever responds last and automatically defers to the one who makes the last statement. Of course I had responded., No camper goes into the woods without insect protection in Florida 's summer. The client does not deserve a refund at all, yet I gave her more than half of what she paid. 
Now the client has $ XXXX {$250.00} = {$390.00} of my money, at best an over refund of {$140.00}.
Consumer complaint received 2023-07-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation (AR)

XXXX account more than XXXX XXXX XXXX that was billed by doctor that did not provide services. collection agency ACCOUNT RESOLUTION CORP has pursued the account and filed a negative collection on my credit report withiut verifiying the underlying account. Additionally, when i ask for the basis for the account Account Resolution Corp will not provide that information. Finally, the account is much older than the statute of limitations ( 5 YEARS ) AND CAN NOT BE PURSUED LEGALLY
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Negative reporting from XXXX XXXX We have account info data that the mobile phone was paid in full in XXXX and the insurance premium care of XXXX was canceled and we have documentation from XXXX to confirm. Unable to reach out to company or talk with anyone in the credit XXXX but yet we can log into my account and it shows it's paid in full and cancelled. Please help we have perfect credit and this is incorrect and a big inconvenience Thank You
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I need my Equifax freeze lifted and called, tried to log in and all I get is that it can't be done, my information is incorrect. If finally got a person who said to mail a letter and my social security card and drivers license to Equifax and they would send a password that should arrive five days later. I sent that XX/XX/XXXX. I sent another letter XX/XX/XXXX to say I have gotten nothing. I've been calling since XX/XX/XXXX or XXXX and got the run around from one computer to another for days just to finally get a person. 

I don't get it that someone in another country can hack my credit card within days that I activate it, but Equifax won't give me access to my account to lift the freeze long enough to get a credit card from someone other than Mastercard which seems to be on hackers radar. 
If you can't help, I'm used to that. But please, someone have some compassion and get through to Equifax if you can.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Equifax continues to report a State Tax Lien Ref : XXXX dated : XXXX/XXXX/XXXX My Credit report is for XXXX XXXX XXXX Birthdate XXXX No other credit reporting agency is reporting this. They are reporting that it is released. This is was not released, but instead it was removed. This tax lien was filed in error, and once contacted the XXXX, this was immediatly removed. This was also removed from all my credit reports except for Equifax. I have repeately sent them the letter from XXXX showing this was a removed tax lien, and should be off my credit report. I never paid this tax lien or had it released, it was an error and should not be on my report. This is serioulsy hurting my credit and my ability to purchase a home or car. Equifax keeps saying this has been verified, when in fact I checked with the court house and they told me they do not verify to the credit bureas. I also checked with the XXXX who also said they do not verify. So they are not verifying that this information is correct and they continue to report this false information.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I complaint to CFPB on XX/XX/2023 for missing the Cash Rewards from Bank of America. The case number is XXXX. I think I paid the XXXX 's bill, but they said not. They dont let me know why I already paid but they still said no pay. After that they write a letter to discontinue my current program and transfer to another completely different plan since XXXX XXXX without my prior consent.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (GA)

This debt collector is not licensed in the state of Georgia and violates the law. I have requested the item removed with threatening phone calls in return. 

I C SYSTEM Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

My identity was stolen and they tried to a business account with JPMCB. Filed police and ftc reports notified JPMCB, provided all information requested via mail to JPMCB and they will not respond nor remove it from my credit report nor give me copy of the application. Did a follow-up letter as per ftc identity theft and JPMCB ignores me. I want it off my credit report and copy of the application falsely submitted using my name to give to police to further assist with report