davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

There was a mistake made at XXXX XXXX and I worked with them to resolve it and they closed my acct. Then these collection agencies, Portfolio recovery associates started to threaten me and reported it to XXXX  who destroyed my credit rating. Now they say I need to get a credit card to help my credit score and try to get me to sign up for one or my credit will be destroyed! I checked it through XXXX XXXX and it goes down more each week. They also have a debt from XXXX XXXX XXXX which I told them was clearly not mine but they will not remove it. Someone, XXXX XXXX or XXXX gave out my phone number to these collectors and I get threatening calls 24 hours day. Portfolio Recovery told me they are coming to my house to seize property and even take my car and they don't care if XXXX XXXX closed the acct or not that they have the right to collect by any means necessary. XXXX XXXX is allowing these agencies to use their website hurt my credit which use to be XXXX and now in the 600 's. Nothing I say to them is working and I stopped answering all calls now because they have so many different numbers.
Consumer complaint received 2018-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

On XX/XX/18 I contacted XXXX  about some credit inquiries and the company will not dispute my complaint after I explain to them several times that I did not authorized several hard inquiries on my credit report.
Consumer complaint received 2024-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CT)

This debt was paid on aprons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now a new contract lectionary company has it. I have contacted The original creditor multiple time at which I have been verify to not have any outstanding balances with them/ For this particular account to be paid off. I would like verification immediately or this to be remove from my credit.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Experian continues to report a late payments for XXXX XXXX Acct # : XXXX. Experian is reporting late payments for XXXX and XXXX of XXXX and XXXX, XXXX and XXXX of XXXX that never happened. I am not sure if Experian has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX, but the late payments that continue to be reported by XXXX XXXX are erroneous and damaging to my credit scores. This account is currently closed and has been for years when this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Consumer complaint received 2019-03-27
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. (VT)

I just pulled my free Experian credit report from XXXX today ( XX/XX/XXXX ) and there is a foreclosure on my credit report that is NOT mine. 
XXXX XXXX reported this foreclosure XX/XX/XXXX. 
The XXXX account number showing on my report is XXXX with a balance of {$140000.00} and date opened XX/XX/XXXX. 
The Experian Credit Report is saying this foreclosure will be on record until XX/XX/XXXX. 
I really need some help with this. Please advise.
Consumer complaint received 2018-10-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I try to resolve this problem with XXXX XXXX.They report a account under my name and my SSN with lot of mistakes.They said that they purchased this debt from a third party company like this on 2015 from XXXX XXXX XXXX XXXX.I was scared to death from operators after my call when they find my nr. They call me with different numbers mostly XXXX  XXXX numbers ( when you call back it said this nr is disconnected ) .They tell me don't move from house that sheriff department is on there way.I cant take this harassment any more.I attach the prove of errors listing to my credit bureaus file.The original creditor XXXX XXXX XXXX  was deleted from credit files because they not find prove to connect im the owner of this account.They are lot of complains against this company that they list credit files with lot of errors and harassing people to force pay.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

Acct XXXX was under resurgent for {$830.00} made payments XXXX XXXX amount of XXXX. Collection now belongs Jefferson Capital in amount of XXXX to pay off. Payments made to resurgent were not forwarded. XXXX XXXX
Consumer complaint received 2022-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (PA)

Truist Bank accepted a wire transfer of {$52000.00} on XX/XX/2022. The money transfer was initiated through XXXX bank. Truist Bank wire reference number is XXXX. 

XXXX bank ask for a recall of the fund on two different times and received no response from Truist Bank. XXXX XXXX spoke with XXXX XXXX XX/XX/2022 the manager at Tuist Bank and she said, any issues must be directed through the wire transfer department bank to bank. 

XXXX bank suggested I seek Legal Counsel.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AL)

Dear PayPal XXXX XXXX, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I believe this limitation is a result of a misunderstanding, as I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Maintaining a positive and trustworthy relationship with PayPal is important to me, as I have been a dedicated user for an extended period. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your consideration. I look forward to your prompt response and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

XX/XX/2021 Received email that my application for a Wells Fargo Checking account had been approved. Later on I received another email stating a checking account had been opened in my name. 

Called Wells Fargo XXXX  they closed the account.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/19, unauthorized money was transferred from my savings account into my checking account at a location in New York ( XXXX ). CapitalOne failed to inform me of such breach. I was made aware of such fraud when I physically went into one of the branches near where I reside ( XXXX XXXX, MD  ). I closed those compromised accounts and opened new ones. I ordered new checks ( {$27.00} ) and called the 5 vendors to whom I bounced checks to not because of insufficient funds but because of a hold on my checking account. On XX/XX/19 I physically went into a CapitalOne Branch near where I work ( XXXX VA  ) to withdraw money and was then made aware that there was fraud on my new accounts. Once again CapitalOne failed to inform me of such breach. I was informed that someone went into a CaptialOne Branch ( XXXX NY ) on XX/XX/19 and withdrew {$3100.00}. Presumably the same person attempted to withdraw {$2700.00} at another location on XX/XX/19. The teller at the second location suspected fraud and called the police. Once again I had no idea this was happening and CapitalOne failed to notify me. This has put unnecessary stress on me. I've had to change my direct deposit twice with my HR department and since enrolled with another banking Institution. It is worth noting Ive been a customer of XXXX XXXX/CaptialOne for about 30 years. I've had to enroll in XXXX ( XXXX XXXX monthly expense ). I've had to miss several days of work to address these banking issues and to address additional problems with bouncing of check ( s ) at the MVA. The investigator at MD MVA told me that they have been receiving lots of fraud coming out of New York with regards to CapitalOne. It is my opinion that CapitalOne is negligent at best and if not complicit in a cover up of data breach of their system. I believe CaptialOne should justly compensate me for time off work, undue stress and all the headaches and financial burden that come along with Identity Theft.
Consumer complaint received 2018-08-25
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: CREDIT ACCEPTANCE CORPORATION (TX)

I have disputed with the 3 major credit bureaus on more than 2 occasions regarding the hard inquires listed below. I was as victim of identify theft and none of these creditors had my permission to run my credit : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX IInquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX In Inquired XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX 's Inqiured XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX
Consumer complaint received 2018-10-21
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. (VA)

" " '' I have disputed this collection XXXX XXXX for months.XXXX  and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2019-03-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I recently received an insurance claim settlement from XXXX Hurricane Irma. During the long 18 months of claim denial from XXXX XXXX XXXX XXXX XXXX XXXX, I was tasked with replacing my entire roof total cost {$44000.00}. The roof damage was destroying the cedar ceiling thus creating additional problems that were not covered in my original hurricane claim. A s a last result, the roof had to be replaced at my expense and I was forces to sue the homeowner 's insurance. The full roof was replaced in XX/XX/XXXX by a licensed roofing company, XXXX XXXX roofing. At this time, during XXXX Hurricane Irma and the XXXX roof replacement, PennyMac WAS NOT my mortgage lender. My loan was transferred to PennyMac in XX/XX/XXXX. At the time that PennyMac acquired my VA mortgage there was no outstanding insurance claims, as teh previous XXXX Hurricane Irma was denied. After months of litigation via the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I was granted a settlement in XX/XX/XXXX. The check was payable to myself, PennyMac and the claims adjuster. After endorsement from the claims adjuster on XX/XX/XXXX, I contacted the insurance claim department A PennyMac was given these instructions : please mail the settlement check with a letter of exception to PennyMac insurance claim dept. In the letter of exception please request a endorse and release of the settlement check based on the roof repairs are completed. Include the settlement paperwork from the law firm, all paid receipts, and the roofing company invoice. PennyMac has received ALL required documents, ALL paid receipts, ALL invoices, a FINAL inspection was completed on XX/XX/XXXX and I have yet to receive a phone call with a status on the release of the funds. I continue to call PennyMac insurance claim dept. several times per week and each conversation is with a different representative that NEVER seems to be knowledgeable of their process. Please investigate this company and the way their claims dept. operate. They should not be an approved VA lender. All reviews and/or complaints regarding PennyMac are similar and warrants an investigation.
Consumer complaint received 2022-07-10
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. (SC)

XXXX  account is being reported although I have advised XXXX this is a fraudulent account that are being listed. I have also filed an FTC report on behalf of the XXXX  accounts listed on my report. 

XXXX XXXX ( XXXX XXXX ) is also still being listed on my Equifax although I have disputed this information several times as a fraudulent account. 

XXXX XXXX numbers : XXXX, XXXX XXXX XXXX  Account Number : XXXX XXXX
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2018-10-20
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. (FL)

I have been attempting to file disputes online with Equifax since XXXX of XXXX and filed a complaint with the CFPB in regard to this issue. 
I have received a copy of my credit report, via USPS, and spoke with someone at Equifax yesterday to find out when information would be deleted from my credit report. 
I found that XXXX XXXXXXXX XXXX XXXX is inaccurately reporting data and not showing a complete historical account information section on my credit report for the " DATE OF 1ST DELINQUENCY ''.

The date of 1st delinquency reported is XX/XX/XXXX, but the " ACCOUNT HISTORY WITH STATUS CODES '' shows XX/XX/XXXX. 
This account was opened in XXXX of XXXX. 
The date of 1st delinquency should have been in XXXX or XXXX of XXXX. 
I have previously disputed and sent numerous letters to XXXX XXXX XXXX XXXX in an attempt to retrieve all accurate information for review and to date, still have issues with this account. 
I believe that this is an attempt by XXXX XXXX XXXX XXXX to re-age the account for reporting purposes in violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (WY)

Synchrony Bank declined issuing me a credit card because XXXX Credit reporting agency erroneously reported my death ( Synchrony Bank says XXXX XXXX, I'm dead ', which I am NOT ). I'm very much alive! 

I reported the error to XXXX, XXXX, TX, on XX/XX/2022 ; I also reported the error to Synchrony Bank, XXXX, FL. on XX/XX/2022. 

Synchrony Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach XXXX by phone ( XXXX has not responded in writting to my alert of wrong information ). 

XXXX and XXXX credit agencies report me as 'alive ', but Synchrony Bank refuses to use any information other than the credit information provided by XXXX. 

XXXX reported my death OR the credit reviewing officer at Synchrony Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a Synchrony Bank credit analyst ). Synchrony Bank sez 'Synchrony can do nothing unless XXXX corrects the erronous information ; Synchrony Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. 

Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). 

I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did XXXX think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! 

The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a Lowes product. 

Please help, and if appropriate - issues santion/citation against XXXX and Synchrony Bank XXXX XXXX XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WY XXXX XXXX XXXX
Consumer complaint received 2022-03-11
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. (MI)

I previously sent my complaint Experian about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX Balance {$5700.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am currently working with XXXX XXXX XXXX to help pay off my debt rather than filing for bankruptcy. One of the accounts I enrolled in the debt repayment program is my Capital One credit card that had a balance of {$6200.00}. On XX/XX/XXXX, Capital One accepted a settlement offer of {$3100.00} from XXXX to be paid in 24 months. In accordance with the agreement, XXXX had already made regular payments for 12 consecutive months. As of XX/XX/XXXX, the remaining balance on the account is {$1600.00}. However, in spite of several disputes with XXXX, XXXX and XXXX, Capital One continues to verify the following inaccurate information : ( 1 ) Balance and Past Due Balance as {$4800.00}, ( 2 ) Payment history shows " FP '' ( Failure to Pay ) from XX/XX/XXXX through XX/XX/XXXX on my XXXX   Report and " CO '' ( Collection ) on my XXXX Report, ( 3 ) Payment Status as " Charge Off '' when it should be " Paying ''. As you know, in spite of the fact that the account was in collection, regular consecutive payments on the account, along with the reduction in the balance helps to improve one 's credit score, and unrecorded 12 consecutive payments is significant in terms of improving my credit score. The fact that they continue to report the inaccuracies is continuing to hurt my credit score and causing further damage to my reputation. 
I am therefore filing this complaint against Capital One and seeking your help in getting them to correct all three CRA reports accordingly. 
Thank you.