davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (FL)

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

For weeks this supposedly debt collector has called me an enormous amount of times & have left multiple threats to sue & garnish my wages. They call from many different number some unknown and disconnect there numbers as they go. They claim they are representing ACE CASH EXPRESS but have yet to mail me legal documentation instead they keep emailing me supposedly proof of debt. I just received another voicemail that I have transcribed below from their dispatch office. Its a bit fragmented but you can clearly see the threats ( please see attachments ). I also  have all their numbers and information they have given me to contact them and pay. 

Calling themselves Office of XXXX XXXX Called me this morning from dispatch office XXXX Told me to contact ACE directly to get proof which was not their number which is XXXX Then told me to call the legal office to sort this matter XXXX I also attached the supposed debt that I owe. The loan was for XXXX originally from ACE EXPRESS but they told me there are processing fees that o have to pay. Please do all you can they are threatening to come to my job.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (GA)

I PREVIOUSLY CONTACTED GENESIS /INDIGO CREDIT CARD FOR THE PURPOSE OF OBTAINING AL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/2021. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY GENESIS/INDIGO CC. WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. GENESIS ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST XXXX AND XXXX XXXX. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/2021 ) BE MAILED TO MY PHYSICAL ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!!
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (WV)

I have previously complained about my time share payment being delayed intentionally ( reordering transactions ). BB & T has denied delaying ( reordering ) transactions to cause an overdraft. This time, I called the time share finance accounting office, and in addition to stopping automatic check payments asked when the last transaction was submitted. I was told it was submitted XX/XX/XXXX, and it showed up on my banking app as being posted on XX/XX/XXXX. In the meantime, several other transactions were left pending, and then I was charged overdraft fees. 
On another account which is new, I was charged overdraft fees on PIN transactions which if I'm not mistaken, are required to be automatically opted out of overdraft protection, and were not. 

Since BB & T is reading this complaint : Dear BB & T, either refund the overdraft fees and appologize, or I will close all of my accounts. Your response to my last complaint was arrogant and condescending, and you also denied my home mortgage credit application. BB & T is proving to be worthless as a bank, and this is BB & T 's last chance to demonstrate that it also cares about it's customers in addition to making a profit. What I want to resolve this issue is for BB & T to return the overdraft fee for the automatic check payment on my older checking account, and return the PIN overdraft fees on the new account, and do not respond with nonsense about how I had an overdraft fee two years ago so you aren't going to return the fees. Which do you want, the fees or my continued patronage? It's one or the other.
Consumer complaint received 2023-01-12
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. (OH)

In accordance with the fair reporting act the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

On or about XX/XX/22 I received a notice from XXXX XXXX  that there was a collection notice on my credit report ( this was shortly after my XXXX check was declined when I attempted to purchase my XXXX XXXX XXXX, I have a XXXX XXXX in XXXX states, so i was already working with the XXXX XXXX XXXX XXXX XXXX XXXX  ). I immediately pulled my credit report to find that there indeed was a collection 's notice from Transworld Systems Inc. I disputed it and received on XX/XX/22 a letter from them indicating that I owed {$550.00} to their client XXXX XXXX for utility services under my name at " XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I contacted XXXX and advised them that i had never lived at this address and the debt was not mine. They were very unprofessional and argumentative. I asked what I could send to them to prove this. They agreed that if I sent them a utility bill for where I live for the month in question that would suffice and provided me an email address. I sent them my XXXX XXXX XXXX for the month prior, in question, and following, and requested a response in XXXX  days. In the meantime, I reviewed my credit report further with a XXXX XXXX XXXX XXXX had reported to the FTC the year prior fraudulent XXXX claims in my name and had not heard anything since then. I discovered that this XXXX  address appeared on my credit report as did an inaccurate social security number of XXXX ( mine is XXXX ). I wrote to the credit agencies and copied the XXXX on these letters as well to advise of the continued inaccuracies. Today XX/XX/22, I contacted TSI to request a status on my previous contact and the documents I provided. I was told " we verified this is your bill, you need to pay it, stop trying to avoid your responsibility ''. I told them they'd hear from my lawyer and then hung up. I suppose since they are based out of this country they do not care... I took it upon myself to contact XXXX XXXX directly. I spoke with XXXX who opened a case for me # XXXX and asked me to email all of my documentation including utility bills to XXXX. Following this I received a call from XXXX who also advised that I needed to submit with this paperwork a copy of a police report and my report to the FTC. I have visited my local XXXX and it will take a couple days to receive that report and I am now filing yet another claim of identity fraud with you. I'd like to know at what point I as the consumer can feel protected. And yes my credit has been locked.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have already made a complaint through CFPB regarding this issue ( see below ). I am not happy with their response because they stated that my phone number had been updated in XXXX ; this not true and, in reality, I received three emails on XX/XX/XXXX from Capital One stating that my phone number had been updated ( see one of the three emails attached ). The Capital One representative also stated that I had attempted to access my online account from overseas and that their 'website security features aren't designed to accommodate international sign-in attempts ' ; in reality, I was in XXXX , Ohio and able to access my account once phone number and login credentials were established. At the same time, in their letter the same representative stated that I was able to login several times successfully on XX/XX/XXXX ( which wouldn't be possible if I was overseas ) ; that is, stating one thing and its contrary ( see attached ). 

Here 's my original complaint through CFPB : On Wednesday XXXX XXXX, I wasn't able to access my Capital One online accounts ; this unique Capital One log-in should have opened all my on-line accounts including checking, savings, IRA and credit accounts with Capital One. Even though I used the correct user name and password to log in, I wasn't allow access to my accounts. The only option offered to me through their portal to verify my identity by an alternative method was set to be through an old phone number XXXX ; this was my phone number before XXXX. 
I had no choice but to make a phone call to Capital One the next day Thursday XXXX. I was put through a series of redundant verification steps over and over through several customer service representatives in different offices. This process was complicated by the fact that allegedly I hadn't updated the phone number linked to my Capital One accounts supposedly since XXXX. As a matter of fact, I did update my phone number with Capital One in XXXX and my current phone number has remained the same since that time. I have found in my e-mail account the e-mail notifications I received in XXXX confirming I had updated the phone number linked to my Capital One account. 
Please find attached as PDF the e-mail notifications regarding the successful update of my phone number in XXXX ; I am also sending an e-mail from XXXX ( XXXX ) which shows the actual phone number. 

I am asking for compensation for the unnecessary time spent over the phone and writing redundant e-mails to Capital One regarding these matters.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NJ)

I had a wireless phone and XXXX for the home with XXXX upon leaving XXXX they charged me numerous frivolous fees that I was unaware of until it appeared on my credit report. They reported the bill and had a collections company report the bill on my credit report I never received any collections notice they removed my access to see my account online which as per their website I should still have access to my old bills than when I tried to speak to someone in corporate they refused to verify the address they had on file. To this day I still have not seen the bill and all the charges only what they stated on the phone. They also are falsely reporting the account on my credit report as an open account with a maxed out limit instead of as well as a collections by doing this it looks as though every month I owe {$910.00} and another for {$1900.00}. And lastly they are reporting this as though the account is recent even thought I have not had this account in over 3 years and they decided to initially state I owed {$910.00} last year and then to report it at {$910.00} as a fresh debt this year I disputed this with the credit reporting agency as well and they did nothing they continue to allow them to report this as open account they state the debt has been verified which is a lie there is no way they could verify I received any collections because I have not and they did not even want to verify my address This is against and the laws of fair credit reporting and this greatly affecting my credit more than a collections because it reports as open and active and they know exactly what they are doing as I have seen online this is a common occurrence with XXXX and somehow they manage to continuously get away with it
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (CA)

I had spoken to a gentleman in the AMEX collection department Rep Id # XXXX about a week or so into XXXX. 

The call was recorded so the exact date can be found. 

He told me that my past due amount on my personal loan account was {$670.00} and that would bring me up to date. 

He also told me that after making that payment and bringing the account up to date they would be able to remove at least two of the return check fees. 

I scheduled a {$670.00} payment for XX/XX/2019 that was processed and posted. 

I received a call from XXXX XXXX from the AMEX collections department a few days after the {$670.00} payment posted for my AMEX personal loan. 

He told me that my account was not up to date and that a payment of {$320.00} was still needed to bring my account up to date. 

I told him that the last gentleman I had spoken to assured me that the last amount of {$670.00} brings me up to date and that at least 2 of the returned payment fees would be credited. 

XXXX XXXX confirmed that the information provided by the prior gentleman was not correct and the chances of having those two returned late fees credited is very slim and needs approval by a higher department. 

I was clearly lied to by representative # XXXX to get a payment for any amount. 

In addition AMEX had attempted to pull funds out of my XXXX XXXX Account 9 times unsuccessfully due to insufficient funds. 

If the funds were not available I believe 9 attempts is excessive, but unsure if that particular protocol violates any laws. 

I was not properly notified of these withdrawals and 9 times seems to be excessive when funds are not available. 

Each time my bank declined the transaction not allowing for any overdraft fees or a payment to be processed. Despite the denying of these payments by my bank I was charged a {$39.00} returned check fee 9 times. 

I believe the following things and this is why I am filing this complaint : 1 ) Not properly notified of the 9 attempts to withdraw funds out of my account 2 ) Lied to by a representative about the payment amount due and reversal of fees 3 ) Unscrupulous collection tactics and what seems to be a toxic culture in the AMEX collection department. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (FL)

A credit card was opened in my name in XXXX  for target tdbank. I have emailed, called and written letters they refuse to remove from my credit. A XXXX card was also opened in my name but XXXX removes it. Target only closed the account but will not remove it. They have no proof that I opened the card. I have never used it or made an payment towards it. It was opened with the wrong birthday
Consumer complaint received 2019-07-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (LA)

I am signed up with clear one advantage, which I updated my phone number to that company so the creditors can call them and not me. But I have two companies that keep call me on my cell phone, my work, my husbands work and now someone showed up at my house. The companies are Mariner Finance and XXXX XXXX XXXX, can you please have them stop calling me and have them contract Clear XXXX XXXX?
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (GA)

XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered to make this debt valid which is violation of 15 USC 1692 ( E ) All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019 through the Consumer Federal Protection Bureau and still have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.
Consumer complaint received 2019-07-23
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. (GA)

I am requesting a re investigation of the debt listed on my credit report under XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered. All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019through the Consumer Federal Protection Bureau and have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.
Consumer complaint received 2019-07-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

fcra violation why does XXXX need the same report 5 times remove all but one XXXX did the same 2 inquires same day XXXX XXXX never applied ftc XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXXXXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Consumer complaint received 2019-07-23
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TX)

fcra violation why does XXXX need the same report 5 times remove all but one WF did the same 2 inquires same day XXXX XXXX never applied ftc  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XX/XX/2019 WF CRD SVC XX/XX/2019 WF CRD SVC XX/XX/2019
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Payfare International Inc. (FL)

I'm currently locked out of my XXXX XXXX account, It won't allow me to reset my password because it's asking for my card information, and i do not have that. I did call XXXX customer service and they told me, they're not the ones that handle those issue. I tried finding different ways to contact the payfare dasher direct, there's no contact. This is absolutely ridiculous how i'm not able to work and get paid due to me not able to reach ANY customer support
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Overton, Russell, Doerr and Donovan, LLP (MD)

I XXXX XXXX have had my protective rights under XXXX XXXX State banking laws violated, basically because of an account support associate named XXXX XXXX, who does not understand the difference between a social security number and an EIN for a limited liability company. As you will notice from my attached inserts, a judgment on medical issues was granted against me XX/XX/XXXX. The law firm in question never submitted a complaint where I was legally served while I lived in either upstate XXXX XXXX   or the state of XXXX. I current have separate legal counsel working on vacating an illegal judgment by XXXX XXXX XXXX XXXX XXXX XXXX. This law firm that specializes in medical collections has abused the civil liberties of consumers for decades. The subpoena under CPLR Section 5222 ( b ) does not conform to state regulations in the state of XXXX XXXX  on the merits that I was never even issued an original complaint, that XXXX XXXX XXXX XXXX XXXX XXXX too a default judgment against me personally, not corporately. 

Most important, the judgment is against me personally and my connecting social security number, not any corporate entity such as my limited liability company registered as XXXX XXXX, XXXX. The hold on my {$5700.00} in funds in that account is simply a violation of banking procedures in the state of XXXX XXXX, or any other stare for that measure. My usage of my own money is being held against my rights to said funds, and XXXX XXXX XXXX XXXX XXXX should be held accountable. 

A separate complaint will be issued to the National Credit Union Association regarding the oversight. 

NCUA # XXXX Year Chartered XXXX Employees 326 Primary Regulator I demand release of my LLC account funds immediately.. Since the debt is being stolen from a non-entity connection, Im claiming an identity theft was used to process this hold on funds by XXXX XXXX XXXX XXXX XXXX XXXX, and that the New York State Bar Association must be informed of this illegal action.