davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
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. (GA)

It has been long over time due with this on going investigation and your company havent fixed the inaccurate erroneous items that was placed on my report. As of today I was laid off of my job due to a credit decision after a meeting of a yearly evaluation. My boss gave me more than 6 months to fix this situation but in your end you didnt fix the errors so therefore I am not employed at this current moment. My job consists of good history and a probation period which we as employees must meet the criteria and agenda for this job. I decided to file a lawsuit and take legal actions for the damage you have cost me. I have file an FTC complaint and the number is XXXX. We are schedule for litigation and a hearing in XXXX. I have filed a lawsuit against your company for the apparent reasons of violating my rights as a consumer which your company allowed identity thefts to misuse my credit file. I asked more than 6 months ago to prove to me and show me that the inaccurate erroneous accounts and inquiries belong to me and I havent heard from you since. I have filed several internal disputes and at this point Id rather take it to court. This assures me that this situation will be seen by a judge in a court of law where I will receive justice. You violating the FCRA sections 609 represents how poor of a company you guys are and how you maintain false information and placed erroneous information onto consumers credit profile which by the law is a major problem. I have all rights as a consumer to dispute and I am aware of every law and sections that youve violated in the FCRA. The account that is reporting as erroneous information is as followed : A - 1. XXXX XXXX XXXX XXXX B  -Inquiries : 1. XXXX XXXX 2. XXXX/XXXX 3. XXXX XXXX
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I made a student loan payment on XX/XX/XXXX through Mohela, my student loan provider. I called Mohela on XX/XX/XXXX and requested a refund for this payment. I was informed by the servicer that I would not receive this refund for many months. I was also informed that I would not receive a confirmation that the refund request was processed. Mohela said my loan balance will not be reinstated with the refunded amount until I receive my refund, which they said was going to take a very long time. 
I am concerned that I will not receive my refund before XX/XX/XXXX, which is the government deadline to submit a loan forgiveness application in order to not accrue interest starting on XX/XX/XXXX.
Consumer complaint received 2019-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX XXXX purchased a collections account from XXXX XXXX XXXX XXXX, who bought it from XXXX XXXX, on XX/XX/XXXX. The purchased electronic files that does not include any contract or any other identification. I have asked for copies of all documents Portfolio Recovery purchased on this account and have not received them. Portfolio keeps fraudently reporting this account because they do not have the documents on this account. The keep telling me they are ordering this from the original creditor and have not and it has been beyond 30 days required by law for them to respond. I explained to them this account is not mine- I did not open it and they can not not even show proof of when it was opened. I am demanding that this account is removed from my credit profile immediately- I have filed multiple reports through the Consumer Federal Protection Bureau and they continue to send me the same few statements they have and not the full documents I have requested. The most recent letter they sent on XX/XX/XXXX said to call them to request copies of payment history when I called that same very day and requested this information verbally as well as through the Consumer Federal Protection Agency prior- They are ignoring my complaints on Purpose and does not have the documents needed
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I rec 'd a XXXX cancellation of debt from Capital One Bank. the form states date of event as XX/XX/XXXX. this is incorrect as the account was charged off XX/XX/XXXX. this XX/XX/XXXX date is also on my credit report. How is it the Credit card company can state the date as XX/XX/XXXX when it was charged off 5 years ago. shouldn't they have sent the XXXX at that time? Also on my XX/XX/XXXX IRS taxes this account was included on form XXXX discharge of indebtedness. I don't believe I should have to report this account with Capital one bank twice to the IRS.
Consumer complaint received 2023-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group (TX)

I received no communication from this company. No phone call, no letter, no email, nothing. But it appeared on my credit report as a derogatory account on XX/XX/2022 for {$2600.00}. This debt is being reported by this company now and the original company, also. So it looks as if it is two different debts for the exact same amount.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (CA)

XX/XX/XXXX I opened a credit account at XXXX. 
On XX/XX/XXXX, I received my first billing from Barclays Bank. I proceeded to pay the balance in full on XX/XX/XXXX, before the closing date of XX/XX/XXXX. Payment was made by electronic payment from XXXX XXXX. 

Months following, I received statements and incessant phone calls from Barclays requesting payment to the account. I sent 3 letters insisting payment was made, and included proof of bank statements and letters from XXXX XXXX. I talked to Barclay Bank representatives and was continuously told I would receive resolution to the problem in letters to follow. There was never a resolution to the problem from Barclay Bank. 

Finally 8 month later, Barclay Bank sent me a letter stating payment had been resolved, meaning they had finally found my payment. Still to this day, they continue to send me monthly statements and call me requesting all the fees and interest the account had accrued. My payment was made on time they just misplaced it! XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I opened my loan XX/XX/2017 with BBT and never had any issues until this merger with SunTrust. They have been posting my payments that are supposed to go to payments all to principle. I have to asked repeatedly when I make a payment to apply the money you payments and any overages to principle. However this is not getting done. I am showing past due because of how they have misapplying my payments. I pay twice a month with extra money. I should be ahead not behind. They say they will fix the issue but nothing is getting done. Also, I used to be able to have my payment paid by my bank with out a paper check now since merger they only accept a paper check. I was on the phone again this morning for over 2 hours the call was disconnected and no one called back. I was speaking with a XXXX and and she was trying to help but the call was disconnected and didn't receive a call by back.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (VA)

On XXXX XXXX, I received a XXXX  XXXX that I never applied for. I called Wells Fargo, the issuing company. My phone number was recognized for the account, and the account already had a balance of {$4500.00}. I was connected with XXXX in the Fraud Department. XXXX marked the charges as fraudulent and closed the account. I've also contacted XXXX, XXXX, and XXXX to freeze my credit report, investigate this fraud, and correct my credit report. 

There was also an attempt to open an account with XXXX XXXX XXXX. I have my home and car insurance with XXXX, but have no other products. I informed XXXX and the 3 credit bureaus of this attempt.
Consumer complaint received 2021-11-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pacific Credit Exchange Corporation (CA)

A police report and a XXXX XXXX Theft report was send to the credit bureaus and XXXX XXXX XXXX date XX/XX/XXXX that I'm a victim of identity theft, send letter request to remove the accounts. XXXX XXXX XXXX changed the ( XXXX ) on these accounts. XXXX XXXX XXXX reporting XXXX XXXX XXXX reporting XXXX on record, and for a transaction I dont recognize account : # XXXX for {$900.00} date XX/XX/XXXX. I never made a payment on this paid off account. The company has harass me and oppress me, causing damage to my credit continued attempts to collect debt thats not owed, XXXX XXXX mailed notices and phone calls attempts to collect {$360.00}, not owed that was paid on XX/XX/XXXX showing on the payment history. 
And is still reporting and tampering with the account 's. These are XXXX violations. I never singed anything or had a account with XXXX XXXX XXXX. XXXX XXXX was closed and paid off.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thaxton Investment Corporation (SC)

I had an account with Southern Finance they never report to XXXX or XXXX they waited until i fell behind with payments due to health issues to report the debt. When i made an offer they promised me they would delete this account off all 3 bureaus. This has not been done. The account # XXXX
Consumer complaint received 2022-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CreditNinja Lending, LLC (TX)

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$2.00}, XXXX past due as of XX/XX/2022. The information is inaccurate. XXXX XXXX is unable to produce authentic proof for loan obained by me. Yet they are not correcting the issue. Nor is XXXX who has negatively impacted my credit report fixing it. Fact is, I have not taken any loan from this creditor or original creditor who sold the debt to XXXX. They both are pointing fingers to each other for the responsibility, but I am being hurt by them illegally and due to no fault of mine. Both parties ( Credit Ninja and XXXX ) are acting irresponsibly hurting my credit score and credibility for no involvement of mine, I am not a party to this debt. I never heard or had any bank or financial transactions for this reported account at any of my banks or institutions. Nor did I ever applied or received the debt. Both these companies have or made no effort to collect this debt from me. I challenged it to both of them so many times. Neither are they providing proof, nor collecting. Straight reported to credit beureo. If it is genuine debt, why are they not contacting me? XXXX is victimizing me. As a result, my applications for Credit card are being denied due to XXXX 's illegal reporting of debt on my account. I would like to amicably resolve this and get off my credit reports from 3 beureus. Otherwise I will have to exercise my right to sue XXXX and Credit Ninja at a court near to me.
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C. (PA)

Agency used derogatory, XXXX and offensive language while communicating with me about a debt. 
I contacted the original credit company that contracted agency but there was no change of agency. 
Agency ( Law Offices of Frederick Weinberg & Associates ) contacted me again via phone after they were sent letter to only send communication in writing and informed of rep using derogatory and XXXX comments. 
The bank ( original credit company, XXXX ) was made aware of the tactics on more than one occasion but nothing was done to rectify the situation. The bank has a history of using companies that use these form of tactics with XXXX and XXXX debtors.
Consumer complaint received 2020-06-05
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: WELLS FARGO & COMPANY (CA)

I AM VICTIM OF AN IDENTITY THEFT, THE WF CDR SVC ACCOUNT IS FRAUDULENT AND NOT MINE, THE CHARGES AND THE LATE NEGATIVE REPORTING IS ALSO FRAUDULENT AND NOT MINE. PLEASE UNDERSTAND MY REQUEST AND REMOVE THIS FRAUDULENT ITEM FROM MY CREDIT RPEORT, PROFILE.
Consumer complaint received 2017-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made three separate requests for Transunion to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Transunion to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the  credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) Transunion has cleared three of the original derogatory remarks for which they can not provide verifying documentation. However 4 such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : https : //financialservices.house.gov/media/pdf/060403lb.pdf
Consumer complaint received 2022-09-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had an account with Capital One since at least 2005. I have had money in CDs, XXXX XXXX, and XXXX Account. I have a very high balance currently with Capital One ( over $ XXXX ). Over the years they have steadily decreased the interest rates on their accounts, including CDs. I currently have 2 products with Capitol One -- '' XXXX Savings '' with 0.3 % APY and " XXXX Money Market '' with 0.8 % APY. I just found out today that both of those type of accounts are no longer offered. Now they have a product called " XXXX XXXX Savings Account '' which offers 1.75 % APY. No one in from the company every reached out to me to inform me the specific products offered to me years ago are now different with a significant better interest rate. There is nothing on the website once I log-in to provide me better products. When I am logged into my online account, I can see no other options, such as different accounts ( i.e. savings, CDs, etc ) that have a much better return on investment than my current holdings. When I click " Explore Other Products '' nothing pops-up as an option to increase my investment rate. I have unblocked all pop-up blockers and cleared all my browsing data and cleared my caches. However, when I log-out and do a google search for capital one products, all kinds of different products including the new type of savings account and CDs appear as options for investment. Most ethical and law-abiding banks, will offer or share with the consumer that the customers products are being retired and their are better products and inquire if the customer wants to rollover to the new account. Capital One purposefully did not offer or inform me new products because I was already a loyal customer with a high cash balance. They were not looking into the best interest of their client, but only to maximize their profit. The company is purposefully locking current/old/loyal customers to an inferior product by not allowing them to see new/better products once the customer is logged into his/her account. I have lost a lot money because of Capital One 's practice and have chosen to close my account and file this complaint with CFPB
Consumer complaint received 2022-09-02
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. (OH)

Back in 2017 my wallet was stolen, Ive had MULTIPLE accounts opened in my name over the past 5 years. Ive been tying to resolve this for a while now. Everytime I dispute these accounts, they keep coming back as verified because all of my correct information was used from my wallet.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (MI)

THis is regarding the letters i keep getting from XXXX, debt collection company. 
I have repeatedly mentioned to the few calls I attended that I do not own this credit card nor got any statements from the credit card. 
Long time ago, when the Credit card company called me once, I told them the same. They read me out the majority of charges were for painting from some other location ( I vaguely remember as GA or South Carolina ). I live in XXXX Mi since 1992 and have never visited the places where the card was charged. I do not know anybody in GA or travelled to the state. 
They mentioned that they will look into it. Afterwards I never heard from them and then heard from you that they have sold this loan. 
Usually, I dont answer most of the XXXX numbers. So, I might have missed a lot of calls from your company. 
Anyway, this Credit Card is not mine nor I made any charges on this. Please understand and investigate who has used this Credit card. This is some kind of Fraud using my name and my personal information.
Consumer complaint received 2019-09-18
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (MO)

On XXXX XXXX XXXX with AAG emailed me a reverse mortgage loan # XXXX. On XXXX and again on XXXX, I sent XXXX emails with several questions on this loan. I never received any communication from AAG until XXXX by a phone call from XXXX XXXX  XXXX with AAG. XXXX XXXX told me XXXX XXXX was promoted within AAG and this is the reason XXXX did not reply to me. This is not true since XXXX now works with another company. XXXX   XXXX stated that my original loan was not approved, but then later on was approved. XXXX XXXX ran a credit report on me on XXXX while promising to send me the loan documents this same day. But, XXXX XXXX tricked me, and stated that I must first signed up for and pay for the Counseling Course, before he would send any loan documents. I called his supervisor XXXX XXXX. XXXX told me the same thing as XXXX XXXX. XXXX is not licensed in Missouri. On XXXX, I emailed XXXX my concerns about this trickery. Later on this same day, XXXX XXXX emailed me the new loan # XXXX. On XXXX, I missed a phone call from XXXX XXXX. On XXXX, I emailed XXXX XXXX with several questions concerning this new loan. On XXXX, XXXX XXXX sent me an email stating that he would address my 'questions by phone call only ' ; and 'we had management approval to lower the margin, unfortunately, the concession is no longer available '. XXXX XXXX is high pressured, very confusing, and he has lied to me, and now I guess XXXX   XXXX will no longer communicate by email, and will no longer honor this loan.
Consumer complaint received 2022-07-20
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: ALLY FINANCIAL INC. (CA)

Someone has had my social security number for going on two years or more now. My credit is trashed, and I have over thirty-two hard inquiries on just my XXXX credit report from many different creditors. I have tried to contact each creditor to no avail, they tell me all my information matches up, thus not being able to remove the inquiries. These inquires WERE NOT ME, I have had my mail stolen countless times, credit cards stolen, bills, refund checks, identifying information, and much more. These creditors have not helped me.
Consumer complaint received 2020-08-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I disputed the accuracy of a bankruptcy listed on my equifax credit report back In XX/XX/2020. I  followed up the beginning of XXXX because its been longer than 30 days and its still listed as under investigation on the My equifax portal and wont allow me to dispute it again. I called the customer service lien and explained to the young lady the issue and she kept telling me it was disputed a few days earlier on XX/XX/20. I asked her how could I dispute something online when its been in the dispute process for nearly the past two months.I told her I had all the documentation showing that its said its been in dispute for over 3 days and why wasn't it being removed accord to the fair credit reporting act. She said she would put an escalation ticket in and someone would be getting back to me. I've heard nothing. it's now XXXX and been over 30 days again if we are going with the lady saying it was disputed on XXXX. This is clearly a violation and the item needs to be removed because it has went past the 30 day deadline. I have all the information printed and kept for my records.