davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-07
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. (GA)

: I have recently been informed again that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$260.00}, {$530.00}, {$64.00}. I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twice or reported wrongthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My financed vehicle was involved in a total loss settlement that resulted in the loan balance being paid in full. Due to the delay in closing the claim, I continued to pay the monthly payments as scheduled, for the periods of XX/XX/XXXX and XX/XX/XXXX. As the insurance company payment was retroactively applied, the finance company refunded me the balance of those payments that I made in the interim. 

In processing the adjustment to my account, the XXXX rescinded those legitimate payments and erroneously notified the Experian credit reporting agency that I was delinquent for the period of XX/XX/XXXX and XX/XX/XXXX. This has resulted in an erroneous 60 day delinquency to be associated with my credit profile. 

I would request that this erroneous notification be immediately removed and that XXXX be assessed an appropriate penalty.
Consumer complaint received 2023-01-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

My husband XXXX  on XX/XX/2022. When my husband XXXX XXXX we were current with our bill. With XXXX XXXX i have had a hard time to make payments however, I have paid the regions bill out and i need to be able to rent a home in the state of Florida however, with this on my credit it is very hard to get placement. Please reach out to regions bank and request this be removed from my credit bureaus.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

At my previous house, I used XXXX as my alarm system. When I moved to my current house, I wanted to use XXXX  again ( which I currently am ), and they said it is easiest to transfer my old account to the people moving into the house so they can pay off the equipment. They currently use XXXX and are paying for the equipment monthly. I received debt collector calls saying I owe XXXX {$2200.00}. I tried to call XXXX and they are saying this has already been turned to a debt collector because the people who moved into my old house have their own account separate. This is just insane, because they are using XXXX paying for it, I currently use XXXX for my security, and if they would listen to my past calls with them, they would hear them tell me that my old account was being transferred to the new user.
Consumer complaint received 2017-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed a CFPB complaint with XXXX XXXX on XX/XX/XXXX regarding credit reporting issues related to Capital One Auto Finance under # complaint XXXX. They answered and closed the complaint on XX/XX/XXXX.
Today XX/XX/XXXX I ordered and received a new copy of my current credit report. XXXX XXXX is now reporting an open auto loan with Capital One Auto Finance as well as a missed payment. This account was already closed and charged off as indicated in the attached report from XX/XX/XXXX. It has decreased my credit score and is now showing I owe money on an open loan that is actually closed and charged off. This is in violation of FCRA. I have attached copies of Capital Ones recent letter and images of how XXXX XXXX was reporting in XX/XX/XXXX and XX/XX/XXXX It is against FCRA to report a missed payment and revolving credit on a closed and charged off account. They will continue to report this every month until they fix it. During that time it will decrease my score every month. I am requesting they fix this as the loan is closed and charged off.
Consumer complaint received 2019-04-07
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. (GA)

XXXX XXXX - XXXX  {$540.00} & XXXX There are no valid claims, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2019-04-07
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. (GA)

XXXX XXXX XXXX {$22000.00} There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2019-09-17
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: Experian Information Solutions Inc. (TX)

I have hired a XXXX XXXX XXXX to dispute items on my report and since then all of my numbers have inproved except the Housing Score. It continues to sit at XXXX, where 6 months ago it was at XXXX. All of my other numbers have improved except this one. I'm trying to purchase a home and need my numbers above 580 or better. The number that it shows now has been like this for months. I'd like to know if this is an issue with this company not doing its job.
Consumer complaint received 2019-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

This morning I received a call from an unknown number and the lady would not provide her name, but stated she was calling from XXXX XXXX XXXX XXXX. She asked if I had received any documentation in reference to my case, I told her no in which she provided me a case number and a XXXX number to call for further details to my case because she was only able to call a verify my location. I tried asking her name again in which she quickly stated that she is only supposed to call a verify location and told me good luck and hung up the phone. I called the XXXX number given and spoke with a lady by the name of XXXX XXXX and she was calling in reference to a breach of contract between myself and Ace Cash Express, for a loan I received in XX/XX/2017 in the amount of {$500.00}. She asked if I had an attorney I stated no and I began to tell her that I did not have any loan with Ace, XXXX became very rude stating that I received the loan and when payment became due my acct was closed which resulted in breach of contract due to Ace attempting to contact me several times. I told her I had received no letters and/or phone calls. She called out an email address to me that I had never heard of and an employer by the name of XXXX XXXX XXXX. I told that was not my info for email or employer because I've been employed with XXXX for 4 years. I began to explain to her that the date mentioned above my wallet had been stolen so there was no way I created that loan and also my credit score is in the 300 's and I would never be approved for such a high amount. XXXX, once again speaking rudely, stated that she was going to document the account with my statement, but the phone was not for me to file a dispute and that once I receive my court documents I could come dispute this in court. I tried several times on the call to get some information from acct she was reading and she told me that she could not provide me the info. I'm sure that is incorrect because if you're calling in ref to any legal matters or unpaid debts, I have a right to know what's going, especially since I am unaware of this loan and know for a fact my wallet was stolen in XX/XX/2017.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2019-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (GA)

XX/XX/XXXX new account # XXXX on my credit report debt collector company.. phoenix financial services ( bussines type yc ) XXXX XXXX XXXX XXXX XXXX XXXX in XXXX debt amount {$1000.00} .00 account to old to be on credit report and inacurate amount of money. Acct previously closed and removed on 3 mayor credit bureaus
Consumer complaint received 2021-02-09
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 ()

Paypal permanently closed my account for no reason. They put a temporary limit and I complied with everything that they asked. Unfortunately, they still blocked my account permanently. My business has been affected by this issue since I wasnt able to pay my people with the funds I have on my Paypal account. This is not my fault. I have not been able to get effective help from them for weeks but I discovered I could file a report here as I feel they are not doing their job properly. It is affecting me as great deal as I used Paypal quite frequently. My email liked to my Paypal account is XXXX. Hope you can help with my complaint.
Consumer complaint received 2018-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery bought a debt that was in my name but was not mine Enclosed is a letter from furnisher stating that the debt was not mine I have contacted Portfolio recovery and credit reporting companies to remove this from my credit report all refuse to do so. portfolio recovery need to remove the credit companies did an investigation and portfolio came back verified please get them to remove it at once they have damaged my credit enought enclosed is a copy of letter
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

JP MORGAN CHASE XXXX AND XXXX HAVE COMMITTED WRONGFUL FORECLOSURE FRAUDULENT MISREPRESENTATION NEGLIGENT MISREPRESENTATION AIDING AND ABETTING PROMISSORY ESTOPPEL CANCELLATION OF INSTRUMENT THEY HAD LACK OF STANDING LACK OF JURISDICTION COMMITTED SECURITIES FRAUD MADE FALSE AND MISLEADING STATEMENTS DEFRAUDED THE COURT AND VIOLATED RESPA UNJUST ENRICHMENT THEY FORECLOSED ON MY HOME AND CHASE WHO VIOLATED MANY LAWS THEN STOLE MY HOUSE FOR {$500.00} TELL ME THAT ISNT CORRUPTION THEY BUY IT FOR THAT AMOUNT OF MONEY {$500.00} NOW THEY ARE TRYING TO EVICT ME AND MY CHILDREN
Consumer complaint received 2018-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2018 I received a promo email offer from Chase to sign up for a UnitedAirlines credit card and that I would receive XXXX air miles and XXXX extra miles, if I applied for two cards and spent more than {$3000.00} in the first 90 days. I clicked on the " apply here '' tab and filled it out. I received my credit cards for me and my wife and we spent well over {$3000.00} in the first 30 days. Chase only gave me XXXX miles to XXXX. I contacted Chase and sent them copies of their original email and I spoke to 3 customer service and 2 supervisors. The last supervisor " XXXX '' stated on XX/XX/2018 that only XXXX miles were sent to XXXX because they set me up on the wrong promo. She stated this on the phone to me, and my wife was listening. We could not believe that she admitted they made a mistake but that they were not going to give me the advertised promo because it was already done and she said that was the end of it. I have the original email promo to prove my complaint.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I have a auto loan with Navy Federal credit union. There is a late payment for XX/XX/XXXX. I never recieve a bill statement for the month of XX/XX/XXXX, nor the month of XX/XX/XXXX. this is the reason I didnt know it was due. According the Fair Credit Billing Act, if I do not recieve a monthly statement for the bill. I am not responsible for the payment for that month. therefore I can not recieve a 30 day late payment. I take my credit History very seriously. I also have no late payments on my credit report.I always pays my bills on time. the only reason It was not paid was I didnt recieve a bill. therefore, according to the fair credit billing act. I need that late payment remove from my credit report.
Consumer complaint received 2019-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (HI)

I am a XXXX and have had to deal with the terrible customer service at XXXX. For the past 3 years I've had several issues come up, reported it to the company, and not once have I heard anything back from them. Issues include, incorrect calculation of my time in service regarding the student loan forgiveness program, incorrect calculation of fees, incorrect denials of income based repayment program, etc. To date, I've paid XXXX, and they are claiming I still owe an additional XXXX. The original amount has already been paid off, but they continue to add on fees and interest. This company is a disgrace and should face penalties for all it's done to XXXX.
Consumer complaint received 2019-04-06
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. (FL)

Both Transunion and XXXX continue to allow a company with no standards to report the wrong information. XXXX XXXX sold my loan to XXXX XXXX XXXX. XXXX shows 2 late payments under XXXX XXXX XXXX. Transunion shows late payments under XXXX XXXX. It is the same company. 

The loan has been paid in full. Further, the company has noted that the account has never been late and that a " mechanical error '' is causing the late reporting. It has been corrected and continues to revert back to the wrong information. 

This needs to be fixed and frozen with no more updates to this account once it shows never late as the letter attached from the company shows.
Consumer complaint received 2015-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc. (MD)

Prerecorded messages that do not state who is calling. 
Prerecorded messages asking for people I do not know Prerecorded messages stating legal action will be taken if I do not call them back. 
When I do call them back they make threats of jail etc, If I do not pay the debt of these people they keep calling for. 

Hang up calls from XXXX, spoofed caller ID numbers as early as XXXX until as late as XXXX. Yes I do have a police report number and some of the calls have been traced by XXXX. 

When we get XXXX illegally run ( illegally due to not following governing laws ) 3rd party old debt collector to stop harassing us about these people whom again we do n't know another one starts calling. 
the process starts all over again as if these unscrupulous debt collectors are working together to harass people. 

The phone number receiving the call is XXXX ... 
The latest calls have been from XXXX. 

XXXX The ROI Companies ( Headquarters ) Phone : ( XXXX XXXX
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (AZ)

I was scammed by a company called XXXX. I purchased XXXX hours of cleaning. They performed 2 hours of cleaning and promised to reschedule the other. Each time they would reschedule, they cancelled. After several times over the course of 10 days of them cancelling these rescheduled appointments, I told them to cancel my account. Because I cancelled the account, I was charged {$120.00} cancellation fee. 

I called Discover Bank about this scam. The first representative hung up on me after I told her I wanted to hold for a manager. I called back and got the same representative again and immediately requested that she transfer me to someone else. Once transferred, the second rep told me that Discover Bank does not investigate or cover scams. She suggested that I keep trying to work with XXXX for a refund. 

XXXX does not have a telephone number to call. I have been emailing them continuously and they refuse to issue a refund. I offered to send Discover Bank the emails so they can see that I was scammed and this is a fraudulent charge and they said it didn't matter what the email said because they do not investigate scams.
Consumer complaint received 2019-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland agreed that I could pay my account in full if I paid {$460.00}. {$460.00} was deducted from my bank account on XX/XX/19 for in full payment. Contacted Midland Credit Management XXXX and was told by XXXX that the payment was declined. XXXX then told me there was a glitch in their system. Called back and was told that I needed to fax a copy of my bank statement showing payment which I did. Called again on XXXX and received the same information that their system showed that the payment was declined. 

XXXX received an overnight envelope from Midland today stating that l my payment was declined and that the balance due was {$830.00}. Called Midland and spoke with XXXX and was told that they would straighten my account out but he would not give me definite timeline. I requested an email stating that the account is paid in full. XXXX said he could not do that. Went online and it shows a {$370.00} balance due. I advised XXXX that I was contacting CFPB.