davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (WI)

I recently obtained a copy of my credit report and found items that were incorrect such as addresses : only address should be XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. All 3 credit scores on XXXX, XXXX, And XXXX and all different and not updated. I also have accounts that are also false. I am requesting all these items be removed, updated or Other suggested change to correct the information. Please investigate this matter and ( delete or correct ) all false items and problems. Thankyou so much
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This debt collection account that was brought from XXXX  XXXX illegal because PORTFOLIO RECOVERY ASSOCIATES LLC is an unauthorized third party for the consumer credit transaction. They at the moment have my personal information which I didnt give them authorization to have. And I requested a debt validation but they didnt provide it and they were supposed to cease collection of this alleged debt. Im here now to involk my rights as a consumer pursuant to 15 usc 1692c. I refuse to pay this debt.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One agreed to settle the account in full in XX/XX/2020 for {$900.00}. I made four payments of {$180.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made a final payment of {$180.00} on XX/XX/2020. Capital One updated my account on XXXX on XX/XX/20 with a past-due balance of {$1300.00} although they agreed to update the account as settled in full with a {$0.00} balance. I have all documentation that shows that I paid {$900.00}, as well as the settlement agreement from Capital One.
Consumer complaint received 2020-12-22
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. (CA)

All of these accounts and inquiries and phone numbers and name is fraudulent I upload proof please correct my information on my report my transunion File Number : is XXXX im a victim of identity theft
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

I have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX   XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me under same account number 8 different accounts with multiple 90, 120 days late payments. There was an error on their part. I was never 90, 120 days late.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

In XX/XX/2021 CitiBank issued a replacement Shell Fuel Rewards MasterCard ending in XXXX. This card replaced a previous card ending in XXXX. I have never missed a payment. I have just found out a balance on the old XXXX card of {$44.00} was reported as a " bad debt '' rather than being transfered to my new card. 

I have been on the phone over an hour trying to get this resolved or at least get an explanation. Nothing. No one at CityBank knows what happened or how it happened. 

Please help me. I'm at the end of my rope with this.
Consumer complaint received 2022-04-28
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 have previously disputed this item ( Reference # XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX ) with Experian, and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and they have no record of Experian contacting them. It is clear that they do not report to you or to any credit bureau for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately!
Consumer complaint received 2022-07-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've submitted disputes your way and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes, thank you for your time.
Consumer complaint received 2020-12-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (TX)

Credit Control has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Credit Control has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt to be collected by Credit Control. Credit Control has no legal right to attempt to collect a debt as there is no balance owed to XXXX XXXX XXXX. Further, Credit Control never validated this debt nor sent me a notice of collection. I have learned that Credit Control is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

1. On XX/XX/XXXX I thought I signed up for free credit monitoring account on Experian. I did not want a paid service because I already have one with XXXX. I never signed off on having my credit card billed. 
2. On XX/XX/XXXX I was billed {$24.00} by Experian. 
3. I disputed this charge with my Visa company and the charge was removed. I was unable to talk to an Experian representative as all their published numbers led to a phone tree and automated options that did not fit my query. 
4. On XX/XX/XXXX I was charged again by Experian for {$24.00}. 
5. This time I tried four different Experian phone numbers and still had no option to speak to an Experian representative so I could find out why I was being charged. 
6. I also checked my online Experian account which said I had a basic membership. There with no documentation that it was a paid account. The online account only offered me the option to upgrade the account. No ability to query or cancel it. 
7. I got back on the phone and did the automated option to cancel my membership. When I pressed the option to cancel it said I was cancelling a " FREE '' membership. 
8. Experian operates deceitfully by roping people in for free credit monitoring and then billing them. The Experian website and phone tree are organized to deceive the consumer and lead to unnecessary charges.
Consumer complaint received 2019-07-02
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Supreme Lending (FL)

I was referred to a mortgage/loan officer by my sister-in-law. After filling out the credit application I became aware of the fact that the loan officer had shared my personal financial information with a my sister-in-law, she was not a co applicant nor in any other way associated with my loan besides making a personal recommendation of this loan officer. This inappropriate sharing of my personal information led to many uncomfortable questions and confrontations with my sister-in-law. I would like to know if and what recourse I have in this matter.
Consumer complaint received 2019-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

I was contacted by CareCredit ( Synchrony Bank ) in regards to a debt that I owe on my Credit Card with them. After advising them that I was unemployed and working to get the debt taken care of, they started calling me from blocked/private numbers in order to get me to answer the phone. I was also called multiple times a day and left more than 1 voicemail on some occasions.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

Ally Financial is reporting an erroneous 30 day late on my credit. I was NOT late for the month of XXXX and this error should have been corrected already as I was assured it would be by an Ally representative on XX/XX/XXXX. 
I have been making timely online payments via the ALLY website since the loan initiation date of XXXX of XXXX. My banking information ( account and routing numbers ) were saved on the Ally website and the payments were made each month accordingly. 
On XXXX XXXX I made a payment which was due XX/XX/XXXX in the same way as I had been doing for the last 12 months. On XX/XX/XXXX I was notified that payment was rejected and the reason provided was Your payment was returned because the name on the payment account you selected did not match the name on the account at the financial institution. 
I reached out to Ally and was informed that I should attempt to make another payment and I did so on XX/XX/XXXX. I didn't receive any further emails and assumed the payment went through without an issue. 
In mid XXXX, I received a notification from XXXX that I was marked 30 days late by Ally. 
At that point I reached out to Ally, and was advised by an Ally representative that the XX/XX/XXXX payment didn't go through due to a glitch in the Ally payment processing system ( please listen to all calls as I made several in XXXX of XXXX ). I WAS TOLD THAT MY PAYMENT DIDN'T ACTUALLY GO THROUGH AND THAT I NEED TO DELETE MY BANKING INFO FROM THE ALLY WEBSITE AND TO RE ENTER IT MANUALLY. I did as I was instructed and made another payment at that time. I was also informed by an Ally rep that any late reporting will be corrected since the issue was NOT WITH MY bank, but with the way ALLY was capturing online payments. There was a glitch in the ALLY system which prevented me from being able to make a payment with the same banking info that I had been using for all prior payments. I had to delete and reenter the banking info in order for it to work! 
Please correct the negative reporting for the month of XXXX as I was not late on my own accord, but rather due to a glitch with Allys payment processing system.
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P&B Capital Group, LLC (SC)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2019-07-02
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Monarch Recovery Holdings, Inc. (KS)

I received phone calls from a company called Monarch Recovery quite a number of times. The company has never made any mention of any amount specifically, however, I continued to receive more phone calls from this company. It became so bad that the company not only used the phone number listed initially, but retained several other numbers in order to continue to harass me, threatening me with legal actions. The additional phone numbers that were associated with the company are : XXXX and XXXX. 

From the phone number XXXX are the dates and times recorded by my phone call log : XX/XX/2018 Beginning on XXXX XX/XX/2018 The company called me every single day during the dates listed above. The number of calls received in total is : 135 times ( average calls per day were 5ea ) I have made the following attempts to contact this company. I have made screen clips of every way that I have reached out to this company, via email phone conversation, in order to inform them to cease and desist from communications with me. First, I called the company to let them know to cease and desist contact with me. I am unsure as to the date. I did however, go onto Monarch Recovery website provided. I wanted to ensure that they understood the reason that I was reaching out to them. So in order to ensure that I was able to somehow get proof that I made contact with the company. So, I utilized the chat option so that the communication could be captured to have proof that I specifically made contact with a representative from the company. Finally, I sent an email to the email address specifically included within the many correspondence that I continued to receive via US postal. Additionally, I also have recordings of the conversations between myself and the representatives from this company. 

I have all the images saved and to uploaded to my phone in order to provide proof that this company harassed me continuously over almost a 5-6 month period, the few times that I did answer the phone calls, I was once cursed out by a representative, another time the conversation between myself and the representative became so aggressive and threatening, simply from because of a statement the representative made regarding about my XXXX XXXX health. I insistently told him that, due to intensity of our conversation continuing to become more aggressive, I needed to get off the phone call with him. His reply was, I completely understand what you are going through, but you need to resolve this issue and stop using time I spent in the military as a an excuse to not pay this debt that I owed. He went on say that my XXXX   state could not in fact be that bad. As he continued, he became so violently aggressive that, I began scaring me to the point that I began to have severe XXXX  and XXXX XXXX  that I just hung up the phone on him. 

For over 2 weeks, I could barely function XXXX and XXXX. I became so XXXX that I did not get out of my bed for over 5 days.
Consumer complaint received 2019-09-21
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: BARCLAYS BANK DELAWARE (WA)

On XX/XX/2019, my car door window was smashed and my purse with my, and my husbands credit cards were stolen. The person who stole the cards immediately went to a XXXX XXXX 12 minutes away and made multiple purchases. We have called Barclays multiple times asking them to remove the charges in the amounts of : {$410.00}, {$610.00}, and {$420.00} ( Total charges at XXXX XXXX within minutes = {$1400.00} ). 

Barclays refuses to remove these charges from our account, saying they are valid, even though we have surfaced a police report. Regardless, Barclays says we need to pay this and the interest on this amount.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (PA)

I reported a scam on my bank account on XX/XX/19 ( TD Bank ),  and was told the money would be refunded in 3-5 days. The total was {$3000.00}. 

I called back after 5 days and the next person I talked to said I dont know what that person was talking about, your fraud claim was rejected I filed an appeal, and kept calling and calling- I even went into my local bank at XXXX and XXXX XXXX in XXXX , and called several times. No one got back to me. 

I gave up, became depressed- but figured I would reach out here to see if anyone could help
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (FL)

I have submitted disputes through credit karma directly to XXXX  and XXXX  for the same matter and seems to have affected my credit score. I am currently in Chaoter 13 Bankruptcy and they are reporting I have a delinquent account for the amount of XXXX XXXX I have notified my lawyer as well. Last month my score instantly dropped from a XXXX all the way down to XXXX and other than this account I cant find any information on why this has happed to my score. I have done everything I can to get an answer or help getting this removed being that all of my debts are in with the bankruptcy. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2019-07-02
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. (NC)

XXXX of 2018 is when I first noticed that I was a victim of identity theft. Since then I've filed a police report, contacted the credit bureaus and creditors but I'm still not receiving any cooperation concerning the accounts that I list are not mine. I've ask the creditor to send me contracts in writing with my signature and I haven't received anything.
Consumer complaint received 2019-09-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (AZ)

I disputed the charge online with the collector. They sent me another notice and I told them I was disputing it because it was for charges for a phone I returned and XXXX did not properly close the account, reopened it and started charging me 4 months later. 

I spoke with XXXX several times on this issue and they continued to charge me. I contacted them again on XXXX and they told me they were submitting for a refund. 

When I spoke with the collector again today I told them I was disputing - I had already disputed with XXXX. They charged my credit card for the amount today without authorization - this bill is incorrect and an error on XXXX side. 

I spoke with XXXX later in the afternoon and again it is being submitted for a refund. The case # is XXXX.
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (TX)

I disputed this account with the 3 credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The credit bureaus claimed the debt was verified by Receivable Management. 

I sent a request for validation to Receivable Management ( account number XXXX ) on XX/XX/XXXX ( usps tracking XXXX XXXX XXXX XXXX XXXX ) asking to provide me with a signed contract with my signature amongst other things to show how the amount they are collecting is calculated. 

I never received anything. This is a violation of the FDCPA for not providing the documents I requested.
Consumer complaint received 2019-07-02
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY (NC)

Purchased a XXXX XXXX XXXX from XXXX XXXX 's XXXX XXXX, located in XXXX NC. This vehicle was financed with Wells Fargo Bank. 


I paid off this vehicle within 45-days from time of purchase. When I contacted Wells Fargo Bank to pay off the car I was told the title would be mailed 7-10 days. 
Problem is I never received the title, so I called and was told there was some type of error made, and they were mailing my title which I should receive within 35-hours. 

Still, I never received the title. so I called again and was told some different story about how some type of error occurred. and I was promised to receive the title within days. Still no title, so I called again and was told that the title was lost in the mail. now I received something in the mail, that I have to collect signatures from different people and write down the mileage and if the vehicle has been wrecked ETC. And it's going to cost me money. I already paid over {$XXXX} which included taxes, title, and fees. I am not paying for someone else 's mistake. 

I want my title to my car which I have paid off 5-weeks ago.
Consumer complaint received 2019-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (NY)

I recently checked my credit report and found that Second Round LP was listed as a collection account. I have no clue to who this company is. I have not received any kind of mail from this company. They are reporting unVALIDATED information. I do not know what this said debt is due to lack of communication from this company.
Consumer complaint received 2019-07-02
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: Blackhawk Network Holdings Inc. (MD)

Dear CFPB I hope you can help this company is stealing funds off of customers Gift Cards -they have paid money to use the names of Visa and Master Card and then they steal the money off of your cards. When You email them -say they -Black-hawk does not understand you, and then they close that email- I have to get my {$240.00} back first and then let the public what Black Hawk is doing. This is urgent and Black hawk plays games when to contact them.