davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-25
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: ENCORE CAPITAL GROUP INC. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One closed my account with 5+ years of history and another with almost 3 years of history because of inputting the wrong checking account ( my direct deposit account for my paycheck allows ACH payments, my travel debit account does not ) so I had 2 ACH returned payments, they instantly closed my account and I did not receive a document stating they were closed until the next day. Make 1 mistake and they will close your accounts. Even made the full payment the following day with the correct checking account. After speaking with manager upon manager the only answer I received was " Capital One reserves the right to close your account for any reason we deem necessary '' Will never do business with them again. Really screwed up my credit history because of 1 mistake.
Consumer complaint received 2018-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OK)

Consumer received a letter in the mail from XXXX XXXX XXXX, XXXX. atty stating from district court, a summary of judgement against all parties stated above, XXXX AND XXXX XXXX, U.S.A., HUD, XXXX AND XXXX were never served or notified regarding any court date or aware of intent to proceed without responding to the request to the letters we have sent. This has cause violation of our rights. U.S.C. 1692 1692p, approved on XX/XX/1977, 3-302.  HOLDER IN DUE COURSE.. I am contacting You as trustee of our affairs and also representing the U.S.A, We are wanting assistance in this fraud.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, I did not authorized Bank of America to pull my credit on XX/XX/20. I reached out to them about this matter and they refuse to remove this inquiry from my report. It is illegal to pull consumers ' credit report without a written authorization. I need them to remove their inquiry from my report immediately or my next step is to sue them and XXXX.
Consumer complaint received 2021-09-25
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: Credence Resource Management, LLC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2020-02-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CT)

Money was not available when promised : For the transaction-XXXX  XXXX XXXX Today is XX/XX/XXXX and WU is in dishonor **** For the American abroad need of the desperately urgent and emergency fund-aid requesting wire transfer with the available funding was met with the denying by the Operador Call Center Western Union of the XXXX XXXX corporate office in the city of XXXX  XXXX XXXX XXXX location and the Western Union Corporation headquartering in Colorado USA and the causation of the damage suffering with the starvation and the threat of an unlawful and illegal eviction by the property owner and with the discrimination by the Western Union-XXXX XXXX management of national operations and official agents for the defamation and libel and the gross negligent denial-refusal of the wire transfer fearing for the fraud and impersonation of identity and not providing a remedy any reasonable person could determine as efficient and expedient because the the sender and the receiver is one and the same being a live and natural living person without any funds for food or travel or expenses for the international communication charges incurring against local creation telephone connections to toll free telephone numbers in the U.S. 


Confusing or missing disclosures For the knowledge of the facts on the discrimination-based policies by the local agent Other transaction problem Discrimination and abuse of the UNIFORM COMMERCIAL CODE on transmitting utilities ** For the dishonoring and discrimination injury compensation victimizing and disabling persons in both severe need of urgent emergency funding for the satisfaction of financial and medical-health matters with the life of an individual traveler seeking aid and assistance in a foreign nation and fearing the potential for the eviction and being the subject of humiliation by the refusal of service and breach of trust and unequal and or unavailable protections by the WU corporation **
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (VA)

I applied again and got this message " Thanks for your interest in the XXXX  XXXX XXXX XXXX from Marcus by Goldman Sachs. Were sorry to let you know we cant approve your credit application because you have applied too many times within a 30-day window. Please note that this is a protective measure intended to prevent fraud rings from repeatedly guessing your personal identification information in order to gain application approval. This decision will not impact your credit score. We appreciate you considering the XXXX XXXX XXXX XXXX. '' Talk about the pot calling the kettle black. Listen ... .I applied for that XXXX card. 6 times. Tonight. 

Check this out - the tax code contains provisions for " debt instruments ''. I assume that a debt instrument may be drawn on an employer identification number ordering the payment of information. 
Being that banks give credit ( really they give information ) in exchange for the information you provide on your application, which I presume is a 1031 exchange of real property under 26 USC 1031. I presume that this is the case because a business owner applying for business credit would have to use his/her personal information ( and therefore a personal credit check- which only serves the purpose of verification ) to obtain business credit which would make the utilization of personal credit an investment activity. It's just information- and I presume that the information could be considered as capital property under the Internal Revenue Code but that's another story. 

And then nobody wants to arbitrate and I guarantee that, if I haven't already found an IRS regulation or statute that is similar to the arbitration clauses in these agreements of the financial institutions which, as I'm writing this, I believe I may have already ran into, I'm putting it out there. 

You know what - I'm about to go ahead make this as clear and concise as possible and then put it out there. XXXX it
Consumer complaint received 2022-01-18
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. (WI)

I have requested verification and validation of debt for these accounts and have not received it at numerous attempts. I have requested proof that these accounts belong to me and have not received it. I have requested proof that I have initiated an agreement to obtain these accounts, nothing has been received. I have requested immediate removal of these accounts after they did not receive verification or validation after 30 days and the bureau has not done so. It has been 3 months. These accounts do not belong to me.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

1. ) : remove all telephone numbers except ( XXXX ) XXXX XXXX 2. ) : remove erroneous employment data re : XXXX XXXX XXXX XXXX 3. ) : remove XXXX XXXX # XXXX 4. ) : remove XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 5. ) : XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prosper Marketplace, Inc. (VA)

prosper marketplace inc account- unsecured responsibility- individual date opened- XX/XX/2018 status- closed. {$11000.00} written off status updated XX/XX/2018 the credit reporting agency or bureaus place this information into my credit report without verification. where is the original signed document from when i opened my credit card or got the loan. please remove the inaccurate unfair information off my credit report. if you guys dont remove this stuff off my credit report we will be filling a lawsuit against your organization for unfair practices. you have 30 days to do so to VERIFY the information or to DELETE it immediately that is LAW!
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

First I told them that I've sent letters to the 3 bureaus about the 1 debt collection agency ( dipute ) 2nd week later I informed them on their web page they suggested you only send documents that the dept of education XXXX was handling my student loans that was paid for in 2007 that's showing as late fees currently was sending letters to the 3 bureaus and I have no need for their services. After paying XXXX advance 2days later XXXX charges was told that fee will be a monthly payment now I'm in a contract have to buy my way out but can stop services at anytime
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (KS)

Rent recovery solutions- Georgia , XXXX  XXXX in XXXX XXXX , LA Rent recovery solutions continue to contact me for a debt that I do not owe. The XXXX owner continued to put fees on my account and charge me for things I wasnt aware of and He never returned my deposit. This is a true slum lord, I have multiple neighbors that had the same issue. XXXX  XXXX  staff members never check the mail until it was in the middle of the month, then they would post a payment to your account and add late fees.
Consumer complaint received 2022-11-30
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)

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (CA)

I have been dealing with a XXXX agency for over 3 years with lack of their support. 
Professional account management LLC ( P.A.M. ) XXXX XXXX XXXX WI XXXX phone XXXX XXXX XXXX. 
My XXXX tolls based in XXXX XXXX CA assigned this to Professional Account management for uncollected tolls. { professional Account Management has placed an lien for tax interception with the California Tax Franchise tax board. I have supplied documents via a stamped abstract of tolls cleared with XXXX to professional account management. They refuse to inform the California Franchise tax board. I have sent them certified mail, called them numerous times and holding for hours. It seems they intend to intercept my tax refund again as this was verified by the state of California even though there is no debt. They have been unresponsive and seems criminal to collect money fraudulently since they have been notified the debt is settled and they refuse to work with the franchise tax board to  straighten this matter out. please advise what action I can proceed with to stop Professional account management defrauding me and others.
Consumer complaint received 2021-09-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MD)

Nature of Dispute : I would like my VA loan service to accept my payment in full via the online process they provided because I paid in full and early. I am afraid Guaranteed Rate is trying to make me default on my loan and charge me late fees by not accepting the payment that they said I can make. 

Commitment : On XXXX XX/XX/2021, XXXX XXXX, the Loan Servicing Coordinator of Guaranteed Rate, sent an e-mail saying I can pay online for my XXXX XXXX mortgage payment. I have an e-mail for record. 

Money Amount : On XXXX XX/XX/2021, I logged onto XXXX XXXX XXXX with my loan interim loan number. I paid {$2400.00} for my mortgage that is due on XXXX XX/XX/2021 with the online process. I confirmation of the transaction for record. The confirmation # is XXXX. 

Dispute not resolved : On XXXX XX/XX/2021, a person from Guaranteed Rate using the phone number of XXXX left a voice mail for me to call back. I returned the phone call at XXXX and Guaranteed Rate informed me that they are refusing my online payment that I made XXXX XX/XX/2021.
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I contacted all three credit bureaus via certified letters, to have this Capital one closed account removed from my credit reports. I have not heard from them and it's been 30 days now this is not compliant with the FCRA law that holds the bureaus responsible for responding to consumers within a timely manner. This closed account has caused stress and my credit score to decrease drastically. I am in a financial hardship and am a single mother. 
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Consumer complaint received 2021-07-23
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: EQUIFAX, INC. (NJ)

These two companies continue to report false/ inaccurate information on my Consumer Report. Ive contacted both companies asking for Validation of the information their reporting on my profile and I have received anything, so according to Fair Credit Reporting Act i know they have 30 days to respond to any issues I have but its been beyond 60 days with no response. 
Please Update my account by deleting XXXX XXXX from my Report
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

Experian deploys deceptive practices to get users to agree to a monthly charge for credit protection services. Despite choosing only to pay {$1.00} for a credit report, Experian nonetheless charged me {$21.00} for failing to cancel a free trial that I never consented to.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Today, XX/XX/2018 a transaction from XXXX was made by my nephew. I allowed my XXXX year old nephew to do the transaction with his gift card, but not with my chase account. Once I saw my online account and saw the transaction I called to cancel the payment. XXXX, the customer representative that I called allowed me to cancel my payment, and from there he forwarded me to another customer representative for questions. However, when he forwarded me to the other customer representative she made a huge deal. I was answering her questions and she said that the best would be to charge my nephew. I told her that how can I charge my nephew, which is only XXXX years old? He is not even an adult. If I'm calling to cancel the transaction they usually ask me the questions and then they cancel it. 

During this situation, the lady said I had to show them proofs of my transaction that it was with a gift card. I told her that I had the gift card on hand with me, but she forcibly wanted transaction proofs from the gift card. In which I had explained her my situation but she kept insisting on charging my XXXX year old nephew. I told that how is that possible if he is under age? Why can't they cancel my transaction and from there it will cancel any XXXX items my nephew bought. However, she said that she couldn't cancel it just like that because that would be a loss for the business, in which I asked how would that be a lost if XXXX/XXXX would return them back the money and cancel any games my nephew bought making him not to have access to them. When I told her that she told me it would be a loss for chase. 

Afterwards, she told me she can process the claim, but that if I didn't send them any proofs within 10 days then they would have to charge my card back for that amount. I never had a situation like this before, so I don't know why they are doing this now. They should have different alternatives to actually deal with a situation like this but she kept insisting for me to charge my XXXX year old nephew if I didn't have any proofs. I have the proofs of the transaction on my bank account, so why ask me for proofs on the gift card being used when they had never done anything like that before. 

Honestly, I was shocked with this situation because I never had any trouble disputing a transaction with Chase. I felt that the lady was looking out for the business loss instead of just doing the usual process and give me my refund back.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (WA)

I tried to pay my Chase Freedom Visa credit card on time using online bill pay like I normally do in 2018, but they had changed the address they accept payments to, did not inform me, and did not accept my payment. Then I got charged a bunch of late fees after I paid the payment to the new address. I merely want to not be charged late fees and get a refund for this. they also didnt stick to contacting me during normal business hours and wont give me a refund of the unfair and unlawful late fees I paid and instead claim it was a " chargeoff ''. They also appear to owe me caswhback and points on this card
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

The XXXX XXXX XXXX account was opened pursuant to 16 CFR 433.1 was a purchase money loan in which I should have received a cash advance and I did not. The account was never credited for the certificate of indebtness or the dividend interest made off my treasury coupons via the Electronic Funds Transfer Act. The IRS states as well as 26 CFR 1.6050P this debt has been discharged and I should have received a 1099 for balances over {$1.00} to report as income. According to the UCC, I have no obligation to pay a promissory note, this would constitute as securities fraud. 18 USC 8 According to 12 CFR 1006.22 ( b ) Portfolio Recovery purchased a debt that XXXX could not collect, but by means unknown to me, they retrieved my banking information and began debiting my checking account UNAUTHORIZED by me for XXXX a month. ( Theft ) I located a notice they mailed to me LYING stating I REQUESTED for them to do so. Portfolio Recovery purchased the debt, so it belongs to them. Pursuant to XXXX XXXX, I owe no debt to this company. XXXX violated15 USC 1692 ( d ) by selling the account to collect the debt.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX dated XX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.