davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LPSG (IL)

On XX/XX/2019 I was contacted by XXXX XXXX XXXX XXXX regarding a debt that I have no acknowledge owing. They told me I was being sued for over {$4000.00}. I never had a debt owing that much in my life! They also informed me that they would be going to my place of employment and serving me with court papers at my job! I informed them that by law I have to be given a written documentation of validation of any debt owed under the fair credit reporting act. I have 30 days to review this information, and have a right to dispute for any inaccuracies. This is the law! They directed me to the new owner of this debt LP services Group. They forced me into settling, but did not keep the agreement. I was put on the spot! Called me up out of the blue and informed me that I am being sued. No documentation on it what so ever! I was informed later that week by the owner of my employer that they called up there threatening the owner to give them my personal contact information. I could of lost my job because of them. I have did some research and they have a lot of different harassment complaints against them. They have fake lawsuit claims, no acknowledge of them even owing these debts, threatening people of a lawsuit that is mis leading, calling up their employer, trying to claim more than what the original debt is owed ( 3 or 4X ). They have violated my rights under the fair credit reporting act, have harassed me, threatened me, and have threatened my employer, and trying to collect 3X of what the original debt is for. They are trying to tact on a ridiculous amount for their outside recovery company ( {$3000.00} ). This is a solid case of harassment and want to file a complaint against them for harassment! Here are the details of what I received. BTW, after looking into this debt, It looks like its a fraudulent account. Im planning to file a police report. They took {$100.00} from me for putting me on the spot! Said there is a judgement against me, but nothing ever was reported to the credit agencies of any judgements! 

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Original Account # XXXX File # XXXX Credit reports claim this is for a {$300.00} credit card, charged off at {$520.00}. This company is trying to get {$1400.00} for this account! 

LP Services Group XXXX XXXX XXXX XXXX. 
XXXX, CA. XXXX ( XXXX ) XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime (NV)

I XXXX XXXX walking to a drive time a few days ago I asked lady at the desk which identified as a general manager which later I found out was the assistant general manager her name is XXXX XXXX. but I asked her if drive time participates in truth and lending she said that truth and lending was a tick tock bad I informed to her that truth in lending was an actual act instead of laws that all dealerships must abide by because you guys all participate in it she then told me that if this is a way for me to try to get out of putting in a down payment for a car she won't be able to help me I told her that the down payment if not covered in the finance charge will be the determination of the finance charge however I'm coming in to make a consumer credit transaction I do have credit I was pre-approved so I know that I have the credit to purchase a vehicle without being discriminated against however this woman treated me like I was a child proceeded to raise her voice and cause a scene as if she wanted people to look at me like I was some lawbreaker or I shouldn't have the confidence and self love I should have for myself because she deems in necessary to break me down in front of all the society because I wanted to conduct a business transaction with a business and utilize the truth in lending laws I'm aware that a down payment is a decision of the creditor the bank is not the creditor the duties and obligations of a bank are to borrow money I'm a lender I'm a creditor and I came to lend in exchange for property however I was discriminated against for trying to conduct business within the lines of law and not fraud
Consumer complaint received 2024-03-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

I am a victim of XXXX  XXXX since XXXX. I was finally freed of this man and the men that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. My husband XXXX XXXX XXXX was found guilty and sentence to 5 years for having a XXXX and pointing to my head. He manipulated me, had complete control of our finances. After fleeing to WV I was followed and my handlers found new men and woman to recruit. I was XXXX by a man XXXX XXXX in XXXX of XXXX. My credit was used and inquiries as well as collections began to show that were simply out of my control. My entire life was hacked stolen and slandered. I am XXXX protected through HUD housing and recently was denied of emergency housing for an apt called XXXX XXXX in XXXX to which was given my paperwork and all documents of the act and police reports of the incident that had prior happened to me along with the protective orders they still deny me based of a collection that was not mine, even after giving them the paperwork and explain to them
Consumer complaint received 2024-03-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (DE)

Each time I attempt to transfer funds from Marcus to one of my linked and verified accounts they initially accept it but then stop it. The only contact they make is via phone but because of spam calls I do not receive them. For an online bank I do not understand why they dont provide digital ( email or text ) notifications. 
I called and went through the process a few weeks back but they prevented another transfer. When I just called they could not assist because the department is closed. They call out how they are available 24/7. Clearly they are not. Everyone I speak to is nice but theyre not empowered they way Id expect to handle what is a basic and unnecessary issue. I have similar online accounts at 4 other banks and have never experienced these kinds of issues and delays with simple online transfers of my own funds.
Consumer complaint received 2023-03-31
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

XXXX Hospital sent my account balance to a collection company, Credit Control Corp, for a hospital stay for my son in the amount of {$1100.00}. The collection account was created on XX/XX/2016. We originally petitioned XXXX about the bill due to the included charges. The hospital charged full admission fees even though my son was never moved from the ER and was only monitored for a few hours. One of the doctor 's also prescribed an incorrect dose for my son 's prescription. This could have been very harmful to him. We found this out from the pharmacist who refused to fill the prescription and who also told us that he had similar problems with incorrect dosing with the same physician. We brought these issues to the attention of XXXX, but they still charged us the full bill. I agreed to pay the bill regardless and called in with payment information over the phone and marked it as paid in my notes. I didn't think anything else about it because I assumed it went through on my credit card. XXXX apparently had no record of my payment and sent the bill to collections. I would have quickly resolved this, but I received NO communication from credit control that I owed this bill. Then, this debt sat with credit control for 3 years until we went to get another mortgage for our new house. I would never let a debt go unpaid as evidenced by my clean credit report otherwise. Also, I had several other bills with XXXX that year that were paid in full. I do not let bills go unpaid, unless of course, I don't know that they exist. Once I found out about this bill, I paid it in full.
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc. (CA)

I received a text message waking me up out of my sleep at XXXX on XX/XX/23 from credit collection services and it isnt lawful to reach out at XXXX. This type of behavior is abusive, unprofessional and unacceptable. Please hold these 3rd party collection agencies accountable to the laws in place around pursuing debts.
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

California EDD transferred approximately XXXX dollars into a Bank of America EDD account this week of XXXX, 2020. Everyone has to use Bank of America EDD account when applying for EDD benefits in California. I tried to transfer the money out, but could not transfer all of it. I called and the representative today ( XX/XX/2020 ) and was told there's a limit of XXXX a week. I was transferred 3 times to higher levels of support. The manager said there was a form to fill out and transfer all of my money out at once, but he couldn't find it at this time. He recommended that I just do it weekly. Due to fear of money sitting in an account that I do not trust and scammers has been targeting EDD accounts more frequently due to the pandemics, I really would like to get this money out. There's also bills and other needs for this money very soon. I tried calling back again to a 4th representative which told me that there is no such override to the {$5000.00} a week limit. I would have to go to a physical bank location and withdraw the money, then deposit it back into whichever account I would like. I also asked him what If I am not close to a physical location and need this money now for my needs? His respond was there was nothing anyone can do besides either waiting to transfer {$5000.00} a week or go to a physical location. It is quite unacceptable in this age for such a large organization to hold onto consumer 's money with limited options on how to get it out and each person was providing a different process not consistent with each other. It was not like I had a choice from EDD to whether to use Bank of America or not. It feels like I am at the mercy of this Bank adding further burdens to the tough times that most folks are already experiencing during this Pandemic.
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (FL)

Recently I got engaged. My fianc and I are looking to purchase a home. As I reviewed my credit Reports, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as they are affecting my fianc and I from Purchasing our dream home. 

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 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-08
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. (TX)

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint demanding to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and Information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 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  XX/XX/XXXX XXXX XX/XX/XXXX . I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Consumer complaint received 2019-10-02
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2023-04-08
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)

My identity was stolen and these fraudulent account were opened in my name. 
I have reported the identity theft and attched the filing documnets to this complaint. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I opened a secure banking debt account from chase bank on XX/XX/19 I had put XXXX dollars in account on XX/XX/19 they closed my account still have not sent me my money back to me and will not give me an answer why the same thing happened to me when I tryed opening a chase business account a couple years back in XXXX when I was doing work as a contractor there they held money of mine and closed my account with no explanation and said they dont have to give me one I have never done bad business with them and simply trying to find out if someone else has stolen my identity but they will give no answers I feel as if I'm being discriminated against by this bank. I should have the right to know why they have closed my account to protect my self from identity theft. I have gave them all my identity info but they cant give me a reason for closing of my account so only reason I can come up with is discrimination.
Consumer complaint received 2019-10-02
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. (FL)

Recently I got engaged. My fianc and I are looking to purchase a home. As I reviewed my credit Reports, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as they are affecting my fianc and I from Purchasing our dream home. 

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 2022-03-31
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section @ : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

Response to - XXXX1- HSBC responded with incorrect card member agreements. I saved all card member information received from HSBC. My information is different than what they provided. This is mentioned to highlight the pattern of mis-information being spewed out to customers by HSBC. If corporate relations employees can't get it right, how can telephone employees located across the world get it right? 
2- They say they attempted to find phone records to back up my claim of the phone conversation I had with their reps. There were three phone calls made, the first being the call that I was told the purchases made during the intro period would remain interest free until paid off. I have two phone numbers, both registered with HSBC. however HSBC only mentions attempting to find one phone number. For clarification the phone number used for all three phone calls pertaining to this situation were made from XXXX. 

To re-cap - we have a complaint alleging incorrect information was given to a consumer ( me ). We have a response from HSBC supplying incorrect documentation and information. This pattern, again, supports my claim that I was given the information I'm saying I was given. Whether or not it is incorrect information should not matter. What should matter is I, the consumer, called for clarification of my card member agreement and I was given the incorrect information which led me to make a financial decision that instead of benefiting me the consumer, benefits HSBC. Had I been given the correct information I would have not used the HSBC card to make my purchase. 

**Portion of previous CFPB complaint*** I received a card with an into APR of 0 percent on purchases for the first 18 months. Nowhere in my card member agreement or paperwork received from HSBC did it state whether or not the intro APR would change on purchases made but not yet repaid by the intro APR expiration date. I have a XXXX XXXX card and, the purchases made are at the intro APR until they are paid off. So, I called HSBC and asked about how the intro APR worked. I took notes. I was told the intro APR expiration would not expire on purchases made within the intro period.
Consumer complaint received 2019-06-11
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: EQUIFAX, INC. (NY)

Ive written at least 4 letters to Credit bureaus disputing inaccuracies yet It did not acknowledge my concerns. Please fine Credit bureaus for negligence and publish this case public.
Consumer complaint received 2023-04-08
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. (NY)

On XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Reference # : XXXX record type : Bankruptcy XXXX  XXXXdischarged Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. And incomplete account # This ground for removal.