davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Roycroft Management (MI)

We ( myself, my XXXX year old daughter and my old employer ) started receiving phone calls on XX/XX/XXXX regarding a past due payday loan that I don't recall having from XX/XX/XXXX. The calls were coming from a " process server '' saying that I was going to be served with papers between XXXX and XXXX XXXX either at my home or my work. My old employer was contacted three times as well as my daughter and myself. I did call the process server and got information on the company that set this up. The company is XXXX XXXX XXXX and they continue to call and leave messages on my daughter 's phone and mine even though I did call them back and asked them to discontinue the calls. When I called back they said that I had a loan that I owed for that they can now charge me three times the original balance and that the could charge me with check fraud. They have been scaring my daughter which upsets me. I have looked on my local district court website and there are no cases filed against me to even be served.
Consumer complaint received 2022-02-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (FL)

This is a violation of the FCRA Section 609 ( a ) ( 1 ). This debt has been illegally reaged according to the original creditor 's date of first delinquency. I am attaching documentation with the DOFD and a copy of my report that shows that the debt has been reaged.
Consumer complaint received 2023-01-03
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. (NC)

I am writing to dispute the following XXXX accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have two old collection accounts with portfolio recovery Associates both of them are showing up as OPEN on my XXXX report but both accounts are paid in Full and should be closed. last report was pulled XX/XX/XXXX have disputed it on XX/XX/XXXX they came back as valid Both accounts are listing Portfolio Recovery Associates as a Factoring company they are not. 

One of the Accounts was settled but the remaining balance of XXXX shows up on my credit report and it should show XXXX balance and closed status. 

I keep getting diffent answers everytime i call They refuse to connect me to a supervisor just diffrent agents that tell me something diffrent everytime. 

I have emailed excutive staff they will not respond.
Consumer complaint received 2022-05-02
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. (PA)

In accordance with the fair credit reporting act XXXX  Acct # 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 an account with out my written instruction
Consumer complaint received 2020-01-29
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. (KY)

My XXXX XXXX report showed a drop in my credit score due to closing an account with XXXX, and some bank associated with XXXX. I never had or ever applied for this account. I had no idea an account was made in my name and had never contacted them to open any account. I responded to XXXX and asked for it to be corrected but was told that their internal investigation found no wrong doing on their part. When I first contacted them they couldn't even find an account in my name but then determine that it was a real account. How does that even happen, they have no record of me signing anything because I didn't. I appealed to transunion for help and they said they wouldn't remove it either. What else can I do it dropped my credit score by 39 points when they closed this account that I had never opened. Im so upset and I need help, please someone help me.
Consumer complaint received 2018-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX XXXX XXXX keeps sending other debt companies to collect a debt that is not valid or owed. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX keeps using these companies letter after letter using bad tactics to collect a debt not owed.Stop harassing me about a debt not owed. XXXX XXXX XXXX
Consumer complaint received 2018-04-09
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: SYNCHRONY FINANCIAL (NY)

I started to get billed from XXXX XXXX for a card I did not open. The bills started coming in XX/XX/XXXX. I called them and told them I did not apply for, receive, or use the card. They investigated and I received a call, in XX/XX/XXXX, stating that they were able to close the investigation and remove it from my credit score.

In XX/XX/XXXX, I received a later from a collection agency stating that they were attempting to collect a debt. I called and explained the above. I never heard from the agency, but the debt was removed from my credit history. About a month ago, XX/XX/XXXX, the debt has reappeared and I am in the process of disputing it again. Last week I was sent a notice of collection of debt. I called the agency and they do not want to hear it and said I am not able to dispute it and I must pay it.

As a result, Sychrony closed my active XXXX/ XXXX XXXX card for delinquency.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Dear CFPB staff, Santander Bank ( US ) has blocked my checking account for months ( from XX/XX/2021 till now ).

I have called in their customer service, branch and fraud team many times over the past two months. Every time the fraud team says they will send an email to a specific analyst to look at the issue. However, this mysterious " analyst '' never replies the email or provides any solutions. More horrendously, this person, who supposed to resolve the issue, has always been off-work or out of office, when I request to be direct to him/her ( my calls are during regular working hours ).

I've offered to provide any info that is requested for solving the issue. Nevertheless, the bank 's fraud team is always referring to this obscure email object, and their attitude is sometimes borderline insulting. The internal controls in the bank are apparently very ineffective.

I've also requested to speak with a supervisor or a manager that can escalate the issue, but I was told there is no supervisor for this analyst. If he/she doesn't reply the email, the account will be blocked forever. 

I'd greatly appreciate your help to facilitate a quick resolution of the matter. The pandemic has hit hard on me, and I need my money to pay utilities and mortgages. Thank you!
Consumer complaint received 2020-01-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery is reporting to my Experian report fraudulently. I have disputed a collection debt in the amount of {$460.00} and have not received any valid information for this debt. Since I last disputed in early XX/XX/2019, they have been reporting to my bureau report twice a month on the XXXX and the XXXX of each month every since. I feel that this is harrassment on their part especially since they are reporting this collection with a past due amount of {$460.00} which is a violation of the FCRA.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (OH)

My Name Is XXXX XXXX, i was trying to get my medications when my card got declined, I did nothing wrong and when i called i was told to do id verification which i did twice, even sent them my identification documents through USPS and i confirmed it was received, US Bank is holding 14000 of my money, i called US Bank, they said its identity verification, I told them i did that which they confirmed, next day i called again they said its the unemployment office who closed my relia card, i called unemployment, i was told my claim is verified and in good standing and they see no reason why US Bank should deactivate my card, i called US Bank, i was on call with the Unemployment office too that very moment, US Bank said it was unemployment office, which the Ohio Unemployment Customer Rep told a supervisor to speak with US Bank because no notes on my account from the unemployment office, that US Bank is holding my money unlawfully, i called US Bank, I asked of a supervisor, he said there was a note on my account from the upper office not to release my money or issue a replacement card, that there is nothing he can do to help me, i told him i am XXXX  and my health is failing, he asked me to tell it to the state agency, i went to church on sunday and discovered US Bank has been doing this for so long ... I have 140000 there i cant access in my Relia Card, it wont even let me login, i really regret using the relia card, i am planning a class action lawsuit towards this bank, my health is failing and they are witholding my money, my condition is very critical, Us Bank should reactivate my card or issue me a replacement card, i commited no offense, i asked what is the note on my account, They said they cant tell me the reason why my account is closed..i am XXXX  please someone should help me. Card ID : XXXX
Consumer complaint received 2021-07-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (VA)

I have Been banking with chime for over a year. I opened A business and got approved for the PPP Loan For XXXX it was in my savings account About a month or 2 later They suddenly closed my account and asked for documentation for the funds which I provided they Still closed the account and wont refund The remaining XXXX!
Consumer complaint received 2022-08-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion has had my account frozen and ... '' In Dispute " ..for over 4 months. I can not even get a response. I am on hold till they obey the law.
Consumer complaint received 2022-02-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX
Consumer complaint received 2021-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation (AL)

I was approved for a loan with 1st Franklin Financial in the amount of {$5000.00}. As of XX/XX/2021, the total of the loan with interest totaled {$6000.00}. I have made roughly {$1600.00} in on- time payments and yet the loan still has a balance of {$5500.00} not to mention the interest seems go increase on lower balances. The loan seems to have diminishing returns! With the monies paid, the balance should be somewhere around {$4400.00}. This is appalling, and I question their accounting. I would like an investigation.
Consumer complaint received 2020-12-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My mortgage was sold while on a forbearance government program to SPS mortgage company. SPS initially failed to honor my forbearance program and a complaint was filed with the XXXX to get them to honor it. Fast forward to XX/XX/XXXX I get a call from a representative from SPS who tells me my mortgage was caught up until XX/XX/2020 from my forbearance program and that money was sent in by my county to cover the missed mortgage payments and that I could end my forbearance since my account was caught up. They took me off the forbearance program reversed the payments and then reported to my credit agencies as me being late. Basically they committed fraud and lied to get me To end my forbearance program :
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (FL)

I am intrested in disuputing all incorrect information on my credit report with Experian. checking my file alot of data is invalid an is hindering m file. I'm intrested in updating all data to clear my report.
Consumer complaint received 2021-07-07
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: The CMI Group, Inc. (MA)

Credit Managment is reporting a fraudulent account on my credit. I contacted XXXX XXXX and informed them that I dont have an outstanding account with XXXX. They said that I could either file a fraud claim which could take 45-90 days or I could pay the {$38.00} balance, and the collection account will be removed from my credit.

Upon contacting Credit Managment, they informed me that XXXX didt communicate to them that this account needs to be removed and they are refusing to remove a fraudulent account from my credit. Please see the attached FTC report and remove this account from all 3 bureaus.
Consumer complaint received 2023-04-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On or around XXXX I voluntarily surrendered my XXXX XXXX to capitol one bank. I followed the requested steps and gave the car back in good condition. The bank accepted my request and took the car back and sold it at a public auction. 

I knew I would be responsible for the balance after the sale. I filled bankruptcy shortly thereafter and this debt was included in my XXXX XXXX case. For a very long time I hear nothing from capitol one about this matter. Then in the later part of XXXX i get a letter from capitol one telling me that the title to my car will be sent to me if there are no balances owed. If there is a balance, I would be responsible to pay it back. 

I was livid when I got this notice and called capitol one immediately. I told them you are sending me an illegal letter and this account has been included in bankruptcy and I am not responsible for any monies owed you. I then told them they are sending illegal letters without the proper verbiage on it. For example, the letter they sent me does not have any wording about bankruptcy and letting me know I am not responsible for any payback 's due capitol one. 

in their fancy way they were trying to collect a debt if there were any payments due them. They also sent me letters without my consent and as I mentioned this debt was wiped away in bankruptcy. 

It gets better capitol one sent me a tax form for unclaimed income from the shortage of the car sale. They also sent the same falsified tax document to the IRS. I was in the middle of filling my taxes and had to include this false document. This bank violated my bankruptcy rights, sent a false document to the IRS, tried to make me include more income then was actually made. 
I escalated my complaint to the president 's office who was no help at all. Capitol One admitted to their mistakes and offered nothing as compensation for their errors and many violations under the bankruptcy code. 

I tried to negotiate an out of court settlement and they declined to work with me nor offer anything to make this right. I am now filling complaints with all the government agencies that govern them. 

Once I file all my complaints. I will hire an attorney to move forward and file a class action lawsuit for falsifying records to the IRS, sending me letters trying to collect a debt while it was included in a XXXX XXXX  bankruptcy, violations under the bankruptcy codes in South Carolina.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

I, XXXX XXXX XXXX, an Agent for Principal XXXX XXXX XXXX, and Affiant ; Attorney in fact, for ANY and ALL derivatives thereof, for the surname/given name. I have been APPOINTED and ACCEPT being the executor, both public and private, for all matters proceeding, and I, hereby, claim that I will autograph for my given name, XXXX XXXX XXXX, and as the Agent and Administrator in fact. 

Congress finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.Code 1681 ( b ) The Consumers right to privacy 15 U.S.Code 1681 ( a ) ( 4 ) Upon reviewing my consumer credit report, I have noticed several inaccuracies. You have a DUTY pursuant to Fair Credit Reporting Act to report ONLY accurate and fair information. In accordance with the Fair Credit Reporting Act, XXXX, has violated my rights. 

I have a right to privacy. 15 U.S.Code 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written consent and instructions. I AM DEMANDING SUCH PROOF for the following accounts : 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 AMOUNT {$430.00} DATE XX/XX/year> The consumer credit report, pursuant to U.S.Code 15 1681 ( a ) ( 2 ) exclusions-except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to Section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payment entries identified on the consumer report are a VIOLATION OF MY RIGHTS AS A CONSUMER. 

You are in non compliance of the Fair Credit Reporting Act by reporting this inaccurate and false information. It is causing me SEVERE harm. My report should be updated to reflect MY correct and accurate information. 

Thank you for your prompt attention to this SERIOUS manner. Please feel free to contact me with any further questions. 

Sincerely, XXXX XXXX XXXX XXXX living man )