davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
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. (CA)

I was overpaid by the Department of Veterans Affairs in XXXX of XXXX in the amount of {$690.00}. Over 42 months later, in XX/XX/XXXX, I was notified of negative information on my credit report. I called the VA to find out what happened and paid back the overpayment immediately. They then refused to remove the information from my credit report. They claimed they sent letters to me in the mail, but it was to an address I hadn't lived at in well over three years. That was the only effort they made to contact me, despite having my phone number, email address, and updated mailing address. This was not a consumer credit transaction because it was an overpayment, not a loan, and I never agreed to borrow that money. It should never have been reported to the credit bureaus. I contacted them one last time to request removal by email on XX/XX/XXXX and have not received any reply. 

I have disputed this item with XXXX and Experian ( it does not show up on XXXX ) in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX under the grounds that I had no knowledge of the account, it had been settled, and it was not a collection or charge-off account. All disputes resulted in the credit bureaus simply verifying that the VA did indeed submit the information to them and they did nothing else. The negative item remains on both reports.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

Conn 's Home Plus continues to inaccurately report a 30-day late to my credit report, even after agreeing to remove the item with a written letter ( attached - account ending in XXXX ). I have submitted numerous disputes with the 3 major credit reporting agencies and this company has agreed to remove a 30 day late payment in writing, then did not honor it and made numerous proven false statements about the details of my payment. This company continues to harm the consumer. There is a pattern of this behavior and I am asking that the CFPB step in and take action against this company.
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (IL)

friday XX/XX/2020 at XXXX as I reviewed credit report noticed company ( a ) had placed a collection notice on my account and had no amount owed, called said company and they advised they no longer had file and the file was sent back to another collection company when asked how was I to resolve they gave me phone number to other company when attempted to contact second collection company all I get for 2 days is various names and extensions no live person!?!?!? 

very sceptical and no knowledge of above referenced matter
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (AR)

I mistakenly paid Fortiva {$30.00} to a closed account. I immediately emailed and asked them to change that money to the balance of my open account. I didn't get a response. A few weeks later, I chatted via their online chat portal and was told it would be 3 days, and the money would be credited to the correct account. I checked back, and the money had not been credited. I chatted via online chat again, and was told it would be 7 days. On the 8th day, I called Fortiva directly because STILL nothing had been done. I was told FOR SURE it would be done and it would take 7 days. It has now been 8 days since the phone call and after chatting via XXXX, he told me it would be 10 days. I finally paid the account that I owed money to and am chatting with XXXX, who told me that I can request a refund once my account has a credit balance -- which it's had since XX/XX/2019. This is FIVE contacts I've had with Fortiva about this money. Please help.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have a credit account with Citi Cosco with original credit limit of XXXX In XX/XX/2019, I had paid my credit card to lower my credit ratio and so I wont hurt my credit score and also so I could start paying my credit with them. I had other bills to pay as well and credit cards. I paid my credit card with citi cosco more than my monthly due of even XXXX $ and I paid them in XX/XX/2019 of XXXX As soon as I paid them, they then decreased my credit limit and took out that XXXX that I couldn't even use any XXXX of it that again it affected me with my credit score. Again I even prioritize them to pay them so I can decrease my debt with them even if they gave me none to use. They gave me then XXXX of all balance for me to pay. 


In XX/XX/2019, I again made a payment of more than my monthly payment and paid them {$760.00} so I could again decrease my debt with them. prior to even making the payment while I was able to build some payments with them I never used my account because I wanted it to be paid slowly. In XX/XX/2019 I paid online in the amount of {$760.00} and the next day XX/XX/2019 as soon as they received that payment day before they again decreased my credit limit took away a XXXX from it which then made me again maxed on my credit. now I am maxed, with overdue late fees and charges In despite of all that me making payments almost XXXX in not even more than 8 months, I didn't use the card, they had lowered it, hurt my credit, I was also sick during this whole time, changed my jobs, and now daily 10x day and also sundays being harassed with calls to pay them. 
what do you pay this credit card company who had taken all arelady in short months and now had charged me more and when I even tried to make arrangements with them to take out all late charges and to go back with just the late charge and to just close this account and that what they did is completely wrong, I'm told no and theywill take it into collection. 

this is how someone who pays their card get treated
Consumer complaint received 2022-12-01
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/24 I submitted a complaint ID XXXX that Portfolio Recovery Associates violated my consumer rights by reporting an alleged debt without me receiving proper notification of this alleged debt to dispute before reporting to the CRA 's . Portfolio Recovery Associates was asked to provide a copy of the Certified Mail Receipt with the delivery and receipt of all disclosures and documentation that was sent prior to reporting account number XXXX to the Consumer Reporting Agencies. As of this date and the response to the CFPB, they have failed to do so. Simply uploading a letter does not show verification that you followed the laws according to the FDCPA before reporting this alleged debt. The letter could be generated and dated for any date. 
Portfolio Recovery Associates you have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. You have not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Portfolio Recovery Associates, you have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). ( see attached ) Portfolio Recovery Associates you are violating my consumer rights by attempting to collect on an unsubstantiated debt.

Upon receipt of this complaint, along with a copy of the Certified Mail Receipt verifying that you followed all the federal laws in accordance with the FDCPA, also provide me a copy of the purchase agreement between you and the original creditor of this alleged debt.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (CA)

I got a debt collection notice claiming it is in regards to an account with XXXX. I've never had a credit account with XXXX. In fact, when I used them as a payment processor for selling used items on XXXX, I caught them stealing my sales before I got a chance to transfer them to my bank account and also stealing directly from my bank account for foreign transactions I never received or transferred as investigated and determined by my bank. Because there was no way to unlink my bank account from XXXX and they refused to return the funds or abide by XXXX or even their own posted Seller Protection Policy, I had to close down both my XXXX store and bank account of 20 years to avoid future theft. This phony debt collection seems to be yet another XXXX scam. XXXX has never issued me a credit card or loan of any kind nor would I ever accept one from a company that stole my hard earned sales of personal property.
Consumer complaint received 2021-02-11
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. (MO)

XXXX  XXXX is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining credit.
Consumer complaint received 2024-03-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (VA)

The company, Exeter Finance, sold the account to XXXX XXXX XXXXXXXX XXXX 
I contacted XXXX XXXX XXXX and paid {$1400.00} to close the account. This was paid off on XX/XX/year>. They had agreed to report this to all three credit bureaus. I has tried to dispute this several times on XXXX. Exeter refuses to stop reporting on the three credit bureaus even though they sold the account and I paid the account off and have a bank statement as proof that I paid the account off. I have reached out several times and they refuse. Even though I had made an agreement with XXXX XXXX XXXX XXXX XXXX that it would be reported that the account was paid in full. Exeter Finance does not own the account. They sold it. And they keep reporting me as late when the account is settled.
Consumer complaint received 2022-12-01
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. (NY)

I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... The account below should be deleted from y file : XXXX  XXXX
Consumer complaint received 2020-02-11
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)

I have all of the documents that is needed to prove that Equifax for the send time has information on my credit report that is incorrect. 

First of all 4 years ago, I moved from XXXX  back to XXXX, I was denied a apartment due to Equifax. They stated that my home was delinquent. I then proved that my home in XXXX  was paid in full. I was told by Equifax, the issue was resolved and removed from my credit report. I was able to rent another apartment in XXXX XXXX XXXX, that was {$4000.00} per month. 

In XX/XX/2019, I went to the XXXX  XXXX XXXX  on XXXX XXXX XXXX. I was going to Lease, but when the dealership ran my credit from Equifax, it showed the same issue that was on it 4 years ago. 

I tried to resolve this at that time, but it is a long process. So, I returned to the dealership with my Mom so she could co-sign for me. At that point I purchased the XXXX. I did not want to lose out on the end of the year incentives. 

I have a loan with my Mom as the primary and I'm the secondary for a interest rate of 8.5 % through XXXX XXXX. 

I have been trying to deal with Equifax, but I have no where else to go but to you for help.
Consumer complaint received 2018-02-26
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 — Problem with personal statement of dispute
Company: Ad Astra Recovery Services Inc (TX)

NOT MY ACCOUNT. CAN'T GET REMOVED. HAVE SEVERAL. VICTIM OF IDTHEFT AND STILL HAVING ISSUES SINCE XX/XX/XXXXXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1000.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have bought a headset from XXXX for XXXX dollars which arrived defective and does not work. I tried to resolve the issue and requested to return the item and get a full refund. But XXXX refused and so I disputed the charge with my credit card company capital one and they did NOT resolve the issue and just rebilled me for the disputed amount of XXXX dollars the case number at capital one credit card is XXXX Also I bought watches from XXXX for XXXX dollars and they arrived missing parts and defective and the seller only refunded me XXXX dollars as a partial refund for the defective items. But I paid XXXX dollars so XXXX disputed the charge with capital one but capital one did NOT resolve the issue and rebilled me for the disputed amount of XXXX which the seller still owes me from the total that I paid him .I was scammed with defective items and capital one is NOT helping me at all and charging me back the disputed amounts The case number at capital one credit card XXXX I want capital one to refund me the 2 charges I disputed and they rebilled me for them which are XXXX dollars case number XXXX And the XXXX dollars case number XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I requested several times the right for Portfolio Recovery association the right to collect debt in florida and they sent me the attached document however this is not something that I consented into addittionally they are illegally placing this as a collection on my credit report as they dont have a debt collection right in the state of florida XXXX i will attach that documentation also even though they know this and still have placed this on my credit report and ignored several attempts of communication with them through the mail.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TN)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT SunTrust Closed my bank account. I work XXXX and every-time I get paid I get I deposit straight to my account any time I make a sale. I had spoke to the fraud department and I explained to them that I sell Bit coin and when I sell I get funds deposit to my account, they understood and they told me that I did not have to worry about anything after I explained to them this. But this was no so because they have blocked me from my accounts and I can not access my funds. This has prevented me from not being able to pay my bills or by my self food to eat this is not fair. And they will not tell me why. I have closed the previous case thinking that the company was going to give me back my money and it was all a lie and they kept the money that doesn't belong to them. 


I WAS VICTIM OF FRAUD AND THIS BANK KEEP HOLDING MY MONEY FOR 3 YEARS. 

I WANT MY MONEY. 
SUNTRUST ACCOUNT NUMBER XXXX
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (FL)

Inquires made by the following CREDCO on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX   on XX/XX/XXXX I contacted XXXX, XXXX XXXX XXXX   via U.S mail & via telephone to have the inaccurate inquiries removed. Please investigate these inquiries at your earliest possible convenience. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.
Consumer complaint received 2022-12-01
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. (NY)

I paid XXXX charge off in full. XXXX keeps reporting as not paid and the credit agencies are not investigating, please see documents attached. 

XXXX closed one of the disputes in less than 24 hours saying that it was investigated and verified accurate, both companies XXXX XXXX XXXX XXXX ) blame each other.
Consumer complaint received 2022-12-01
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. (NY)

I paid XXXX charge off in full. XXXX keeps reporting as not paid and the credit agencies are not investigating, please see documents attached. 

Transunion closed one of the disputes in less than 24 hours saying that it was investigated and verified accurate, both companies ( Transunion & XXXX ) blame each other.
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (FL)

I am an XXXX XXXX XXXX elder. In XX/XX/2022, I was a victim of {$58000.00} XXXX XXXX XXXX Wire Transfer Fraud at : PNC Bank, XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
Bank routing number : XXXX Bank Account number : XXXX Please investigate the {$58000.00} XXXX XXXX XXXX Wire Transfer Fraud at PNC Bank. Also, please FORCE PNC Bank to send me my {$58000.00} Probate Settlement Fund in a cashier check to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX Mobile/Text XXXX XXXX