davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Progressive Financial Services, Inc. (AZ)

THIS DEBT COLLECTION COMPANY REPORTED AN ACCOUNT TO MY CREDIT REPORT THAT WAS DISCHARGED ON MY BANKRUPTCY YEARS AGO. IT WAS REPORTED ON XXXX/XXXX/2016 ON MY XXXX AND XXXX BUT REMOVED ON MY XXXX ONLY. THEY ARE ATTEMPTING TO COLLECT A DEBT BY REPORTING THIS TO MY CREDIT. I HAVE NOT RECEIVED ANY NOTICES TO INFORM ME OF MY RIGHTS AS A CONSUMER. IF THIS IS NOT RESOLVED I WILL RETAIN AN ATTORNEY AND FILE SUIT.
Consumer complaint received 2018-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (DC)

After filing a CFPB complaint [ complaint # XXXX ] during XX/XX/2018, I received one " PNC Bank Official Check '' in the amount of {$77.00} and two " PNC cashier 's checks '' in the amounts of {$480.00} and {$30.00}. Unfortunately, I have been very ill and have been at 2 different hospitals for medical treatment over the last 4 weeks. However, I tried to cash these 3 checks at the PNC XXXX XXXX branch on Saturday, XX/XX/XXXX. The branch manager would not authorize these checks to be cashed because she said " she had to guarantee the funds were available by calling someone at corporate. '' She said " the individual ( s ) I need to call will not be available until Monday morning. Please come back to the branch at that time. I am going to keep these checks because I can not return them to you. '' Now, why the branch manager felt the need to keep the checks did not sit well with me and that was made very clear. I used to work at a bank and I know that among the purposes of a cashier 's check is to set funds aside to ensure guaranteed and prompt payment to the check recipient. So, again- why the branch manager felt behooved to take possession of the check is absurd and why it is taking so much work to cash their own company-issued cashier 's check is beyond my comprehension at this point. 

Upon going to the branch this Monday morning at XXXX XXXX, the branch manager has still not resolved the matter. She asked for me to return to the branch at XXXX XXXX to let me know the status at that time. 

I departed from the bank and called the XXXX number denoted on paperwork and spoke with a customer service representative named XXXX. After explaining the situation to XXXX, she recommended I ask the branch manager, XXXX XXXX, to provide me the regional manager 's phone number. 

I will make that request & call but I feel compelled to file another complaint regarding this outrageous situation. These funds are proof of payment that the bank recognized that closing my checking account was wrong but what is worse is the amount of time and money ( XXXX & bus fare ) to resolve this " resolved '' issue. 

Thank you in advance for your assistance!
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

My issue began when paying mortgage after my spouse died. Paid my mortgage on XX/XX/XXXX and not until XX/XX/XXXX was I informed that I was 2 months in arrear for not having paid XXXX. Asked mortgage company to have manager call me. Provided my phone number and did not receive a call after XX/XX/XXXX in which I called them back. They indicated they tried calling, but at a phone number I had not provided... therefore I was charged another late payment. 
I started sending my mortgage by mail as mortgage, the mortgage company stated was not in my name, only my husband 's. Faxed paper work to their financial office and stated house was also in my name... however they placed the account " To the Estate of ''. Recruited an attorney as Shellpoint indicated I may have to be qualified to determine if I can continue with this mortgage contract.This was per XXXX XXXX ( supervisor ). 
My lawyer indicated based on paperwork from our XXXX XXXX mortgage was also in my name. 
However, today I tried calling Shellpoint. ( as currently have tried paying on line but my account is not there )... or I'm not. Called shellpoint mortgage ... my social nor my husband 's 4 digits can not be found..nor are they able to find my property address. called their investor and she could not find my account even under the account number. My concern ; they will charge me yet another late fee, all of their run around has caused me stress as well as financial hardship when charged a late charge as I am now on a fixed income.As it stands now I do not know where I can get someone to help as you can not request customer service rep through their promps.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

Unactivated my reliacard so I cant use my unemployment benefits. I have done everything I was asked to do. I sent in 3 separate faxes proving who I am based on they're request and my account remains inactive. They have told me it was an address change that caused this but they sent my card to the wrong address and it was returned to first time causing a major delay in receiving my card so they requested a different address and now I cant use my card because of that. I've spoke with numerous people. XXXX and XXXX were the last I spoke with and continue to get no where. This is hurting not just me but my children as well.
Consumer complaint received 2020-11-08
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 (IL)

On XX/XX/2020 my New Mexico unemployment insurance funds were deposited into my paypal account for a total of XXXX XXXX Paypal then limited my account after one transfer of funds to my brother. no other transactions were made. aftyer meeting there proofs of bank, social security, statement from credit card companies and state ids they optioned to close my account for good and hold my money for 180 days. even though no other transaction were made, i have been insulted and suffered financially because of this. i even had my states unemployment office call paypal to confirm account validity.
Consumer complaint received 2020-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (MS)

On XX/XX/2020 I received collection alerts from two major credit bureaus, specifically XXXX  and XXXX, that alleged that I owed a debt to AssetCare , LLC in the amount of {$2100.00}. Prior to my request for this company to verify that this debt is valid, I have never been in contact in any capacity with them nor the company that they allege to represent. 

They originally had 5 days to send me valid information that proved this debt belonged to me but instead they frivolously and unlawfully place this item on my XXXX  and XXXX  credit reports causing embarrassment, damaging my reputation in terms of my profession. 

I reached out to the company on XX/XX/2020 and have yet to hear from them as they have ignored my initial request for them to provide me with very specific and crucial information that will adjudge their misrepresentation.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding inaccurate information that has been reported on my credit report. Upon reviewing my credit report on XX/XX/2024, I have identified several accounts that contain inaccurate information, which is adversely affecting my credit score and financial well-being. 

I have attempted to resolve these issues through the factual dispute method provided by your bureau, but unfortunately, the inaccuracies persist. Therefore, I am escalating my complaint to seek resolution through your Consumer Financial Protection Bureau ( CFPB ) complaint process. 

Below are the specific inaccuracies that I have identified on my credit report : XXXX XXXX XXXX - Acct # XXXX ( Inaccurate open dates ) XXXX XXXX  - Acct # XXXX ( Inaccurate date opened & date of last payment XXXX XXXX XXXX Acct # XXXX ( Inaccurate date opened, High Credit, Credit limit date of last payment ) XXXX XXXX - Acct XXXX XXXX ( Date of last active and date of last payment ) XXXX - Acct # XXXX ( Date Opened, Number of Months, Date of last active, date of last payment ) Despite my repeated attempts to rectify these inaccuracies, they remain unresolved. I urge you to investigate these matters promptly and take appropriate action to correct the erroneous information on my credit report. 

To include, according to 15 USC 1681s- 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or as reasonable cause to believe that the information is inaccurate. 

I have attached copies of relevant documents supporting my claims for your review and reference. 

Please provide me with a written response detailing the results of your investigation and any corrective actions taken to address the inaccuracies outlined above. 

Thank you for your attention to this matter. I look forward to a swift resolution of these issues.
Consumer complaint received 2020-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

XXXX I took out a Student loan for {$4600.00} and after I graduated I started repaying this loans out XXXX and after a year or so I was unable to manage the payments long story short on XX/XX/XXXX I ended up paying in total {$10000.00}, or more I dont have records for XXXX of payments, the Student Loan it ended up with INTEREST and FED LOAN SERVICES want me to pay another {$15000.00} in interest fees, this has affected my Credit and I Disagree in the handling of this Loan that started in XXXX for {$4600.00}, this economy back then was very hard to maintain jobs, paying my bills, and a family, I Paid this Student loan in XXXX plus interest and now interest continues this amount of {$15000.00} is an All interest amount, I am sadly deepened that the Government ( USA ) can and do this to citizens, ( students ) they dont have no regards as to this Economy which now is just as bad TODAY AND IN THE PAST, this is just another form of discrimination and its the Government ( USA ) that allows this to go on. This has affected my Credit, score, and Life, I feel taken advantage and dissatisfied for this is worse than loan sharks. I did the best I could during those times.
Consumer complaint received 2020-11-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I started the process of refinancing my in XXXX of 2020. It is now XXXX. Every time I ask for an update they tell they are really backed up and will take a few more weeks.They can not give me a closing date. I asked for my application to be refunded and they said they would not. They took my money, provided no service and will not refund. They are holding me and my refinance process hostage.
Consumer complaint received 2020-11-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Amcap Investments, LLC (MS)

XX/XX/2020 started process of purchasing manufactured home from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They refuse to give us the cost of the home we chose. We were told that they couldn't give us a price until we have been approved for financing. XXXX XXXX XXXX, XXXX Sales person XXXX XXXX requested many financial documents from us, which we provided. Then another person from XXXX XXXX XXXX XXXX requested the same documents. Then we got requests for the same documents from XXXX XXXX AmCap  Mortgage, Ltd. XX/XX/2020 we put down a deposit of {$1000.00} went over options, were sent a list of options we chose that was incorrect, and were told things that come standard were optional extra upgrades. We felt we were getting the run around and contacted another XXXX XXXX dealer in another state. We were given the name of someone higher up that may be able to help us XXXX XXXX who has been putting us off. XX/XX/2020 we paid an assessor fee of {$820.00}. Another person from AmCap contacted us XXXX XXXX and asked for all the documents again including current statements. XX/XX/2020 we asked XXXX XXXX for an update ; his response " I believe the lender is working with the appraiser on some corrections. I don't have an eta for completion ; but, I would think they are nearly done ... '' To date we have had no communication whatsoever from any individuals/entities associated with these organizations.
Consumer complaint received 2018-11-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (IL)

Received a demand for payment for an unpaid citation from debt collector : XXXX XXXX XXXX XXXX. Reporting I owed for an unpaid meter in the District of Columbia for an {$55.00}. I have never been to the District of Columbia and have contacted by phone and written twice to agency to dispute and stop debt. The notice letter has a mailed date of XX/XX/XXXX stating I have unpaid expired meter dated XX/XX/XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have reached out to the bureaus several times to fix these inaccurate collections on my account that are not mine, and via sect 609 of the FCRA, the bureaus have not proven belong to me. Many of these  collection agencies are also not licensed and bonded to collect in their state, yet they keep reaching out to me for payment and also are affecting my ability to get a home.
Consumer complaint received 2023-06-13
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. (FL)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX 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 2018-04-23
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: EQUIFAX, INC. (KS)

XXXX XXXX XXXX ( XXXX ) is reporting on my credit file and is a fraudulent account. I have notified XXXX and Equifax on multiple occasions however the account still appears. I have also submitted an FTC report in regards to the fraudulent information. 

In addition XXXX is reporting a XXXX ( opened XX/XX/2013 ) account that is as an result of fraud and has been provided proper documentation to remove.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (PA)

I filed a complaint with CFPB about experian and the information it had about me on my personal credit report. That complaint number was XXXX. In this complaint I listed in detail the issues and provided my state issued drivers XXXX and social security card. 

Experian took well over 30 days in investigate the matter and when results did come back they simply send a letter telling me to detail the items wrong and provide them with my ID and social security card items I did give them already in the complaint. 

Since it took over 30 days items I listed should have been removed at that point. Also with requesting the ID, social Security card, and detailed complaint it is clear they didnt even read or investigate my matter at all. They just send a blanket response to get it out of their system
Consumer complaint received 2023-01-18
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. (UT)

Experian, XXXX, Experian are reporting in accurate information. The dates are wrong and amounts are inaccurate I request all three bureaus to furnish proof of XXXX if these accounts are certified.
Consumer complaint received 2020-11-08
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. (WA)

This is the second complaint I have filed against XXXX XXXX XXXX since my mortgage was transferred to them effective XXXX ( see dispute number XXXX ). Now they are reporting my mortgage twice to Experian!!!! They are reporting my loan under XXXX XXXX XXXX with an outstanding principal balance of {$130000.00} and also reporting it under their loan servicing company XXXX XX/XX/XXXX XXXX ( listed as XXXXXX/XX/XXXX on the report ) with an outstanding principal balance of $ XXXXThis makes it look like I have 2 mortgages with a total outstanding balance of {$260000.00} when in fact I have 1 mortgage with XXXX XXXX XXXX XXXX an outstanding principal balance of {$130000.00}. It took me several weeks of calling XXXX XXXX XXXX and filing a complaint with Experian and CFPB to get my last issue corrected - this is totally unacceptable!!!! This bank needs someone overseeing their business. This has caused me so much undue stress which I do not need right now as my husband has very serious health issues I am also dealing with.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

I have tried accessing my credit report and score and I don't have access to neither and its very frustrating because it's basically stopping me from being able to do anything, equifax doesn't allow me to have any access to my credit report whatsoever and hasn't for i cant remember how many years I'm being told I have a XXXX credit score can't apply for credit cards NOTHING I'm just told no credit please help me fix this because the credit companies refuse
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am upset a medical collection account was placed onto my credit report recently. I have no involvement with the account added to my credit report and is a direct result of identity theft. This account was opened fraudulently with my personal information without my knowledge. I am giving notice to Experian and demand this matter be taken seriously. I have included with this complaint copies of my FTC Report, Identity theft report, my personal identification card, and my social security card.
Consumer complaint received 2020-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (WA)

Every day for a month I receive a call from Midland Credit Management. I have answered them but they dont seem to have conscious thought about what they are doing, they dont listen. The problem is that I am not in collection by anyone. My credit rating today is XXXX. I have no idea why they keep annoying me with calls that wake me up in the morning and late evening calls. I cant get them to stop. I can not block their number because it keeps changing. There number today is XXXX
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (GA)

On XX/XX/2020, the Director of my employer asked to see me. When I went to her office, she handed me two pages that informed me that my wages will be garnished on XX/XX/2020. The Continuing of Garnishment was from Strenger & Strenger regarding a judgment against me for a XX/XX/XXXX XXXX credit card debt in the amount of $XX/XX/XXXX.The address on the summons for me is an old address where I was residing in a private safe home. The day I initially met with the Director, I informed that this amount would cause me great hardship if taken out of one paycheck. I later sent the Director an email regarding Georgia 's law pertaining to income garnishment limits. I was then mailed the entire summons and learned this information was included in the summons. On XX/XX/2020 my Director asked to see me again and stated she drew up a draft of the payments that would be deducted out of each pay period until the debt was paid. I informed her that I am unsure of the validity of the debt and would like to complete a claim form to the XXXX court to obtain a court date. Unfortunately, she informed she would have the deduct a payment of {$320.00} beginning XX/XX/2020 which offers me no time before I can dispute. I have repeatedly attempted to call the number on the claim form for Strenger and Strenger however no one answers the phone even after you hold on forever. I don't understand their tactics. I have received numerous harassing phone calls from the collection agency and because I will not disclose my social security number to me they will not discuss what it is pertaining to. Regardless of the number of times for months and months and several times daily ; I have asked them to stop calling me and to have me removed from their call log. They continue to call. 
How is it they are able to receive a judgment without being served? How can my wages be garnished when I have no proof of the amount or even if this debt is valid? 
Last year another lady living in the building called me and informed me that a man showed up to the door stating he had a Christmas delivery for me ; she told him that I was not there but she would give it to me. When she saw that it was paper, she stated she immediately closed the door and never took any papers. She stated the man had spooked her when he began asking her a lot of questions. I was nervous about this because I believed at the time it was something from my ex trying to locate me. Nonetheless, I was never served. I have tried to contact this law firm with the last time being on XX/XX/2020. Now my wages will be garnished without any time to investigate this debt. Now that I am attempting to contact the number on the summons ; they do not answer. How is this legal?