davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (PA)

I received an email XXXX XXXX XXXX XXXX from a XXXX XXXX and XXXX XXXX indicating they were attorneys they not only represented themselves as attorneys but threatened criminal federal action and also threatened to contact my employer they violated numerous laws and I have a copy of the email.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my XXXX credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my XXXX credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

In XXXX, XXXX, my husband and I decided to refinance our home while the rates were low. One of the things we wanted to do was to payoff my student loan. During this process, our lender checked the balance of my student loan so that the amount could be added to the cash out portion at closing. 

In early XXXX, XXXX we closed escrow. The title company sent a check dated XX/XX/XXXX, in the amount of {$31000.00} to be paid to Navient for my student loan. Because I have had difficulty with Navient in the past, I called them on XX/XX/XXXX to pay off my student loan through ACH. During my conversation with the customer service rep, she informed me that interest had accrued in the amount of {$210.00} since the last payoff amount quoted to our escrow company. I paid the {$210.00}, as well as the {$31000.00} on XX/XX/XXXX. I confirmed with customer service that because I was making these payments, my account would be paid in full with no more interest, she said correct. 

On XX/XX/XXXX, I received notification that the title company 's bank rejected the ACH stating that they do not accept ACH payments. After a couple of weeks of voicemail exchanges, I was able to get to the right person at the title company who informed me that she would email me an overnight label so that I can mail the check to Navient. On XX/XX/XXXX, I called Navient to get the payoff department address, as well as to see how much interest had accrued since XX/XX/XXXX. I was told that I still needed to pay {$54.00} to cover the interest that had accrued. On XX/XX/XXXX, I called to make sure the check was received, and to pay the final amount of {$54.00}, and I was told that my account was paid off. The next communication I would receive would be that my account was paid in full. 

On XX/XX/XXXX, I received a notice from Navient that my account was still short in the amount of {$54.00}! This is not correct. My Navient account shows a XXXX balance. It also shows that payments were made on XX/XX/XXXX for {$210.00}, XX/XX/XXXX for {$31000.00}, and a final payment of {$54.00} on XX/XX/XXXX. These payments reflect the timeline of events as they occurred. I do not understand their accounting, nor do I believe that I still owe this company any money. My account must have still been accruing interest, which I was told would not happen. At this rate, I will keep owing Navient money indefinitely.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX XXXX {$71.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$250.00}
Consumer complaint received 2022-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (NY)

My car was repo by Wells Fargo in XX/XX/2021 during Covid the repo company damages my car. My locks was changed on my car with multiple dents besides a part inside the car was damaged upon them changing the locks. Unfortunately Wells Fargo is refusing to take responsibility of the damages that was done to my car and now that I have 3 payments left they are refusing to repair the damages. Representative XXXX made a assumption that those were Pre existing damage on the car. He have never seen the car prior to the car being repo.
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX XXXX and XXXX XXXX XXXX Bank have violated my rights for the amounts of {$1300.00} and {$230.00}. 

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

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent numerous letters to the credit bureaus in response to some incorrect information found on my credit report to which the credit bureaus or the creditor have yet to respond. My initial request was sent in XXXX of 2021! I have since sent XXXX follo ups to which neither the companies or the credit bureau has responded. This is violating my consumer rights. I would appreciate some help with this matter, thank you.
Consumer complaint received 2021-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

My husband and I own 50 % of a home located at XXXX XXXX XXXX XXXX XXXX wa. The other 50 % is owned by XXXX XXXX a neighbor /business partner. My husband unbeknownst to me or XXXX applied for a home equity line of credit with XXXX XXXX XXXX. The house appraised for {>= $1,000,000} On XX/XX/2021 I was emailed disclosures and a notary showed up for me to sign documents with my husband. I had no idea what I was signing and signed a document with a spouse joinder clause. I was advised to mail the notice to rescind which I did certified on XXXX XXXX cancelling the loan. I also called BECU XXXX XXXX on XX/XX/XXXX to let her know I was cancelling. She would not talk to me because I wasnt the borrower. 
XXXX XXXX was not given any disclosures or notice to rescind paperwork. 
I found out on XXXX XXXX after talking to XXXX XXXX that the loan closed on XXXX. She told me that they needed to receive the notice to rescind by XXXX and that they didnt have it by then. She also asked why I didnt call? I told her I did call but XXXX XXXX wouldnt talk to me. I also said that I was only responsible for sending the notice per there form and the truth and lending act. She said they ran it by compliance and can not cancel the loan. We have exchanged several emails and BECU is not going to cancel the loan. Apparently they did call my husband when they got my notice and they feel hes the only one that cancel the loan since hes the only borrower on the loan. We are going through a recent separation/divorce so Im not involved with any of his communications.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a secure card with a purchase limit of {$1000.00} with the Capital One card company around last July 5-6 2021. 
So, the Capital One card company withdrew {$840.00} from my us bank checking account to a secure card deposit. 
I was issued a secure card like that, but the Capital One card company did not activate my secure card because my phone number in their file was wrong. 
I did everything I could to verify that I was who I was in other ways, but the Capital One card company did not activate the secure card I deposited. 
So in the end I asked last XXXX to close the secure card I was issued and refund the {$840.00} I deposited, and they clearly told me they would get it back within a month. 
But today I called the Capital One card company to confirm when I can get my Secure Deposit back, but they refuse to refund my {$840.00} Secure Deposit. 

I really don't understand why I can't get a refund of the {$840.00} deposit on a secure card that I haven't used and I'm desperately asking for help with this issue. 

For reference, there is a Bank Stateman whose Capital One card company took money from my checking account, and I can provide it at any time.
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ASSOCIATED BANC-CORP (IL)

My mortgage account with AssociatedBank is in autopay, which I setup using their own online banking tool. The payment has being deducted from my checking account at XXXX XXXX and transferred to Associated Bank since my first payment with no miss at all. 
On XXXX there was a {$100.00} increase in the escrow part of my mortgage - duo to tax reassessment. This money is paid in advance for tax purposes and it's not part of the mortgage Principal or Interest. Associated Bank is responsible for collecting this money in order to pay my property taxes when time to do so is duo. 
As the mortgage was being automatically transferred from my XXXX XXXX checking account to Associated Bank every month and no call was given or email was sent, I was not aware of such an increase until I checked my XXXX statement which said that XXXX month was " overdue ''. I immediately called Associated back to discuss why I was being charged double, since the money was wired a month ago. That's when they tell me that, the amount paid was considered " partial '' ( because of the " missing '' {$100.00} related to TAX reassessment ) and therefore didn't apply to my mortgage, instead it was kept in a separate account within their organization. I then paid the difference over the phone and also adjusted the XXXX payment. This was done on XX/XX/XXXX. with XXXX and I was given the confirmation number : XXXX. 
For my surprise, after all this ordeal and, after paying all the additional adjustments needed, on XX/XX/XXXX my XXXX XXXX was hit with a claim from Associated Bank in the total amount of my over a XXXX XXXX  mortgage saying that it is overdue. I called them today, XX/XX/XXXX and they tell me there's nothing they can do. 
I file this report since the claim is completely incorrect, I paid my mortgage on time and can not be punished for a mistake Associated Bank made regarding the escrow/tax amount. 
I would also like to note that, Associated Bank returned XXXX XXXX dollars from my escrow account because, in their words, we overpaid it so, how can they now, after returning us this money, say that we are late/overdue exactly because of the tax reassessment? It makes no sense. 
As documentation I'm attaching my checking account statements from the last 3 months showing the timely payments sent to Associated Bank. 
I appreciate your consideration on helping me solve this matter. 
Sincerely, XXXX XXXX.
Consumer complaint received 2022-03-27
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-13
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: JPMORGAN CHASE & CO. (VA)

I received an alert from XXXX, XXXX and XXXX credit monitoring that a new inquiry hit my credit report from JPMCB XXXX XXXX on XX/XX/2021. I did not make this inquiry and reported this as fraud to XXXX, XXXX and XXXX credit monitoring. All three monitoring services advised that the inquiry came from JPMCB XXXX XXXX/ XXXX / XXXX XXXX XXXX, XXXX, DE XXXX. Please assist. Thank you.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I lost the promotion points of 25,000 when I downgraded my card ending-XXXX in XXXX. 2021. I was charged the annual fee for this account twice within a year so I decide to downgrade my card to avoid the additional annual fee. When I downgraded the card to a non-fee card, the AMEX customer service did not tell me they would remove the proton points for downgrading. I believe I met all requirements for the promotion offer and AMEX should honor the offer and not remove the points from my account.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00}
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TN)

I wrote Credit Collection Services on XX/XX/2021, and XX/XX/2021 asking them to validate this debt they keep trying to collect on behalf of XXXX XXXX. Despite my asking for validation, they only keep sending me a bill continuing to attempt to collect this debt. I do not recall signing any contract with this company and they did not write me to tell me they were going to report this debt on my credit which is damaging my credit worthiness. 
Instead of validating this debt, they sent me a settlement offer. In order to close out this matter, which THEY NEVER VALIDATED, I told them I would accept their offer in exchange for them removing this debt from my credit reports with XXXX  and XXXX  that they are reporting this account to. They never replied to my offer. 
At this point, I am not interested in settling with this company, as they never complied to any of my letters, and I do not owe them anything. Unless they can prove that I entered into some type of contractual signing giving them a right to collect on this debt, they are falsely reporting this account on my credit. I am now turning to you to see if you can help me resove this matter. They also are using two different addresses, in which I am sure they receive correspondence to both addresses.
Consumer complaint received 2022-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (NC)

I have/ had insurance during the time of the medical visit. I uploaded the documents from my insurance company and the previous debt collection company removed the collection from my credit report. A new debt collection company has resubmitted the collection to my credit report.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-04-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have asked Experian to remove the info on my report on a closed account and they will not let me submit a dispute, and the other credit reporting agency have allowed me to dispute these errors.